BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have made several calls during XX/XX/2020, asking for help. I learned about forbearance option, 3 months, then I " would have to pay a balloon pymt at the end of the 3 months timeline! '' Through XXXX, I called numerous times wanting to talk to someone and was put on hold for ever and ever or was disconnected while being transferred to loan mod dept, and some of the CSR 's were horrible, totally not interested in helping, bored negative attitude, not into their jobs obviously. I told the 3 or 4 diff CSR 's " you can't do that and who will have that large amount of money to be able to pay a balloon after forbearance timeline? '' I also asked a few times to speak to someone re : loan modification ; and was told every time to go their web and fill out a form and was also told I " must go through forbearance plan first before a loan mod can be considered. '' What Freedom Mtg does  not tell you is that both forbearance or doing a mtg loan mod would blemish/damage your credit and that doing a forbearance would then force you to having to stay with them for another 12 months. Also I am upset because their web specifically asks for your complete SS # in order to setup your on line mtg. account ; they should already have my complete SS # plus I refuse to provide my entire SS # and address, etc, on their web, which is a great start opening the door up for identity theft to occur because they would see my entire SS #, my address, etc. NOT!! I hate Freedom Mtg : have read a lot about them since virus stayinplace lock-down and everything I've read is not good, very negative stories re terrible mtg service ( even before the virus ) with Freedom Mtg. Also had a ph appt scheduled today ( 3 days advanced scheduled ) XX/XX/XXXX at XXXX EST, was told either of two ( 2 )  refi experts would call me, waited all day, no one ever called me nor did the mtg scheduler, return my call when I called her at approx XXXX ; XXXX EST. ( I will provide a copy of our email dialog re my appt scheduled. TY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The week of XX/XX/XXXX - my sister placed me on her XXXX XXXX card as an authorized user. XX/XX/XXXX - my Lender pulled my credit reports from all three bureaus however, the card was not showing up on Experian so my Lender asked me to give Experian a call. It was like trying to get into the White House uninvited. The recorded messages kept sending XXXX in circles as well as when I finally spoke with someone they mentioned that they had to do an escalation as they were not seeing the new card for XXXX XXXX ( XXXX addition ) they only saw an old reported card ( XXXX ). Experian told me that it would take 3-5 business days and it has been over 14 days and I still have not received a phone call, email nor a letter in the mail advising me of the outcome to my submitted escalation. 

This horrible because it has prolonged the closing of my home loan which in turn I may lose the house that I currently have an offer on. 

The Sellers are not willing to wait any longer. 

My sister and I both have call several times to ask why Experian was not reporting and they can not provide a concise answer. My sister as called XXXX XXXX her credit card company as well and all they can tell her is that they report to all three credit bureaus. 

I understand COVID-19 has affected businesses and their staff personnel, but if one is a national credit reporting company they should have persons manning their phones during normal business hours. 

Not only does it feel like I wasted so much time going in circles I may not be able to close on my house. I am furious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has reported XXXX XXXX to my credit file without my consent. Ive never had any dealing with XXXX XXXX. Transunion has violated the FCRA law 15 USC 1681B rule. I did not give Transunion written consent or permission to report this account to my credit file. Transunion has violated the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account capitol one has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payMent on a credit card account under an open end consumer credit plan as late for any purpose ACCOUNT NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchase a flight ticket on XX/XX/XXXX for a flight going to XXXX on XX/XX/XXXX. The amount if {$720.00}. The merchant 's name is XXXX XXXX and they are based in the XXXX. I tried to cancel the flight on XX/XX/XXXX because of COVID and because the merchant already sent an email stating hat all international and domestic flights are cancelled, however, I was not able to get a hold of the merchant because of high call volume so I called my credit card company Chase to resolve the billing dispute for me. They said they were able to get in touch with the merchant and based on the merchant 's terms and conditions, I am not eligible for a refund or flight cancellation, Chase said that I am responsible to pay for the charge so I said okay I'll just go ahead and take the flight then. On XX/XX/XXXX, I received an email from the merchant stating that they are cancelling the flight and I can file for a refund but it will take 4 billing cycles to get processed. I called my credit card company again Chase to reopen the billing dispute. The agent I spoke with said that I can redispute the transaction based on the fact that the merchant is no longer able to provide the service. I sent a letter via snail mail to redispute the charge. On XX/XX/XXXX, I received another letter again from Chase stating that the charge is valid without any explanation. I called them and spoke to a supervisor and was told that because I originally initiated the cancellation, I am no longer entitled for a refund even though I haven't really spoke with the merchant and there was no confirmation of the cancellation from me. I believe I am still entitled for a chargeback based on the Fair Credit Billing Act in which services were not provided and I don't believe my case was treated fairly by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was first contacted by General Revenue Corporation ( GRC ) on or around XX/XX/XXXX regarding an alleged debt. The debt allegedly originated as an account with XXXX XXXX University. The amount owed on this alleged debt was {$4800.00} and was assigned file number XXXX. I was never contacted by XXXX XXXX University  regarding this alleged debt and never agreed to any type of arrangement with the University. I was once a student with XXXX XXXX University  and all of my student loans are current with the United States Department of Education. I ended my enrollment with the University in XX/XX/XXXX. I responded to GRC via multiple certified letters that I was unaware of the alleged debt and its origins and I sought validation of the alleged debt. GRC responded to my correspondence with a list of charges that allegedly came from the University. GRC has not yet provided any contract between me and the University. GRC has refused or been unable to provide any documentation that will legally validate the alleged debt. The University has placed the same account with a different collection agency in the past, XXXX XXXX. The account was investigated and removed from all credit bureaus when XXXX XXXX was unable to validate the debt. GRC has since reported this account to multiple credit reporting agencies without proper validation or proof of validation. 
The initial amount of the alleged debt is different than the amount of the debt in the alleged validation letter that I received. The unfair reporting of this alleged debt has caused damages to my credit report and my reputation as a consumer and as a professional. GRC has been misleading and have not been willing to validate this alleged debt prior to taking adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XXXX of 2018 XXXX went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now XXXX is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a financial hardship that began in 2018. I fell behind on payments. The creditor, American Express, offered a repayment plan to me. I accepted their offer. 

The agreed payment plan requires me to make monthly payments in the amount of {$64.00}. American Express drafts my checking account electronically on the XXXX day of each month. We've been under this payment plan for a long time, and I've never failed to have sufficient funds in my checking account when American Express drafted my account for the {$64.00} monthly payments. In other words, I've never failed to pay the {$64.00} monthly payments when due and never have breached my payment plan with American Express. 

American Express recently reported to the credit bureaus that its has charged off my account after I've been performing as agreed and without any breach or default of any kind under the agreed payment plan. 

This charge-off has caused my credit scores to decline. Why has American Express charged off my account now when I have not breached or defaulted on the agreed payment plan and have months and months of perfect payment history under the plan? 

This strongly appears to me to be abusive and detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include the listed accounts below that are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received documentation from XXXX XXXX XXXX/XXXX on XX/XX/XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXXthat the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Lendmark Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a victim of a predatory loan. I bought a used XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX. I was told that with interest my total out of pocket would be approximately {$6300.00}. I signed the paperwork with Lendmark Financial as my loan provider. My monthly payments are {$230.00} which I have paid faithfully. Due to the pandemic, I was laid off from my job as a XXXX XXXX XXXX with XXXX XXXX XXXX. I called Lendmark to request a temporary moratorium while I wait for unemployment thinking I had very little left to pay on my debt. This was when I was informed that of the $ XXXX monthly payment ; that only {$63.00} a month was being applied to the principal. I was never informed during the initial sale that more than 50 % of my payment would be applied to interest. I am a XXXX year old man currently on a fixed income and this loan is creating an unnecessary hardship. I was duped by Lendmark Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a emergency room bill from XXXX XXXX XXXX in XXXX XXXX GA for a visit to the emergency room XXXX XXXX   weekend 2014. The bill was paid in full in the fall of 2014. I have not received any notifications of any unpaid bills from the hospital.Now 6 years later I have {$350.00} bill that is with Nation Wide Recovery group. This is a scam. I want it investigated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: BANK OF HAWAII CORPORATION
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2020 XXXX called my XXXX year old grandmother who is in an XXXX XXXX XXXX, asked her for my contact information despite already having it on file and calling me repeatedly on such number. Told her they were trying to recover a debt from me. 

Called my previous employer after I had already informed them I no longer worked there. They did this in an attempt to embarrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX XXXX, something changed on my credit report at Equifax. 
XX/XX/XXXX - I first learned of these error ( s ) while obtaining a mortgage.

I lost the house as no info. was reported due to the error ( s ) I immediately contacted all three credit reporting agencies and learned XXXX and XXXX had my information in good order but Equifax did not. Equifax refused to tell me anything about my credit as " I failed their verbal test '' to identify myself accurately. Of course, I furnished my accurate info. but something did not match their records. I asked how to fix the error ( s ) and was told the only way was for me to fax personal info. to them. They said they would accept no secure method or any through which I could prove delivery/ ( a lie ) After 27 hours of phone calls with Equifax , they confirmed my critical documents were lost. I sent them again to start over. Equifax 's info. and procedures seem inadequate, antiquated and ineffective. I have made no progress and have no credit or house. I am a non-person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Ovation Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in processed to be XXXX since I have several health issues such as XXXX, XXXX XXXX, XXXX XXXX  XXXX, my bones are the ones of a XXXX XXXX XXXX woman. So currently I can not work, I am applying for ssi. So I can not make the monthly payments I have on my home tax loan. I have tried to work with them to lower my payments since my kids are the ones helping me right now but they have families of their own. I have been treated with disrespect from employees of this company. I can not reach an aggrement with them since they do not want to lower my payments, I have send them proof of my medical issues and they do not care. I am at risk of losing my home or have a forever debt since whenever I can give payments it goes to the interests only. I am desperate. This company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation