BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Initiated new mortgage application for $ XXXX in XX/XX/2017 ( as a prior mortgage customer and had existing equity line ) with Nationwide Advantage. We had $ XXXX to rollover from the sale of our previous home. Our credit score is XXXX. Initial application process went well. Then the process fell apart. Our loan ap was assigned to a rep that then left for a one week vacation and was not available to assist us. The online DocuSign process required submitting large financial documents, which we completed. The file was large and was submitted as a XXXX doc. They were unable to process. Then the DocuSign deadline expired and our on-line application was cancelled. Repeated calls requesting a callback from a loan officer or supervisor went either unanswered or required a second call and were very delayed. Requested the application docs be fed exp to us so we could send back via fed exp. The docs were never received. After several frustrating weeks, we requested our application be cancelled. Had to request multiple times to get our application fee reimbursed. 

Then we paid off our equity line and ceased any business with Nationwide Adv. Come tax time, our XXXX was supposedly mailed to our old address and returned. I called and gave new address and was told 7-10 days to mail. After two weeks, still no XXXX. Called again and requested it be emailed. Told 3-4 days. After XXXX week, still no XXXX. Finally received in the mail after 3 weeks and it had again been mailed to our old address. Amazing they stay in business. Our experience very disappointing and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
President Biden issued a continuation of the freeze on payments and interest that Trump ordered for the coronavirus situation. That freeze applies to government loans and is in effect until XX/XX/2021. 

Since XX/XX/2021, XXXX has harassed me with calls and emails demanding payments or forbearances even though it clearly states on their website that I needed to do NOTHING. So I did just that, nothing, because I do not have any private loans. I've never taken out a private loan for my education my entire life. 

As a result of following the directions of the President and XXXX 's own website announcement, XXXX has now put me into default and my credit score lost 100 points. 

I was told I needed to do nothing. The demands for payments or forbearance this year were excessive and came across as illegitimate. If I wasn't required to contact XXXX in order to accept the Covid relief, why were they harassing me? Why are they allowed to default people within this window of time when our loans were ordered by the President to be suspended due to the Covid crisis?

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
An account from XXXX XXXX XXXX is reporting on my credit report currently. This alleged debt is the result of an identity theft that apparently occurred quite some time ago. I have not ever opened an account with XXXX XXXX XXXX or XXXX XXXX  XXXX  XXXX. I have disputed this debt and requested verification under Section 609 FCRA and although 90 days have elapsed the only item I have ever seen is an uploaded notice from XX/XX/XXXXsent to an address that I have never lived at. Despite my claims and disputes XXXX, XXXX  and Transunion continue to allow this erroneous item to be reported to my credit bureau despite my plethora of requests to XXXX, XXXX and Transunion notifying them that XX/XX/XXXXis not complying with Section 609 FCRA. 

I am attaching a notice of a press release from the CFPB where they sued XXXX for the very same conduct they are currently engaging in regarding me. XXXX according to the lawsuit buys debt and is it able to provide documentation in the event of a dispute. Each of the credit reporting agencies have received notice of my dispute on at least three  occasions but they continue to report the erroneous item on my credit file. This complaint will once again reiterate the fact that as of the submission of this complaint some 90 days after my first dispute and written notice to XXXX, XXXX and Transunion that neither XXXX XXXX XXXX nor XXXX have complied with Section 609 FCRA which requires each of them to provide me with specific documentation pursuant to my complaint of identity theft ; which neither of them to date.

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 2023-03-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, 2023 I went to Lowes to look at purchasing a Lawn Mower. When I was at checkout the cashier suggested I apply for a credit card and Id get around {$100.00} off of the items I was buying, including a lawn mower. After entering my information the cashier said she got a message they couldnt complete the transaction and they would follow up via mail with the credit decision, which sounded odd to me. Ultimately I received an adverse action notice in the mail. It stated I was declined as the credit reporting agencies indicated I was deceased. I immediately ordered credit reports from all three reporting agencies and none of the showed me as deceaseds I contract Syncrony Bank, the institution who rendered the credit decision and sent me the adverse action letter. I noted that Synchrony had pulled my credit, there is an inquiry from them on my reports. They said that my social security number was off by one digit which caused the issues. My problem is that they pulled my credit, they had to have the proper information to do that. Why would they send me an adverse action thats says I am deceased? When I questioned the rep from asynchrony they suggested I return to the store where I submitted my application and ask to resubmit it with correct social security number. The problem I have is they sent me a totally bogus adverse action reason to decline my request. When questioned about the fact that they did see my credit report and that I knew sending invalid reasons for declining an application is a violation of regulations, they shrugged it off and sent me back to the store. I want my credit report inquiry removed since they didnt use that information anyway. I dont want their card at this point as I dont trust the organization making the credit decisions. I also want them addressed on violating federal regulations related to consumer credit and with how non-caring the rep, and a supervision as I asked to speak with a super visor during my call to Synchrony, it appears they dont see any issue with what this experience was for me, the consumer..

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 2022-07-12
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Friday XX/XX/2022 I attempted to make my payment to Comenity ( AKA- Bread Financial ) for a XXXXXXXX XXXX XXXX credit card on their website where I have successfully made payments before. I was unable to login with my normal login information that had been used the month previous. Then I tried to login using the " Easy Pay '', because there was a header on the website that said " Easy Pay '' was working and they apologized for the inconvenience on the outage. The " Easy Pay '' did not work either. I then proceeded to call their customer service phone number. It asked for my social security number then stated it would transfer me. It transferred me to a pre-recorded message that stated they were not currently available and were aware of the issues making a payment. I then looked around on their FAQ page on the website and it stated they would waive late fees between XX/XX/XXXX and XX/XX/XXXX I believe. They have my contact information on file and never once sent an e-mail blast or a letter that they were experiencing technical difficulties. They apparently had this issue for at least 3 weeks! Unacceptable behavior from a financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Zeus Mortgage, Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I feel cheated because I never signed the purchase of a house and also used a credit card in which I did not know

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX BANK XXXX XXXX MORTGAGE XXXX

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 2021-01-27
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: GA
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:
YES I SENT THE REQUIRE DOCUMENTS TO ALL PARTIES TO HAVE THESE FRAUD ACCOUNT REMOVE FROM MY CONSUMER REPORT

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 2022-07-12
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 I completed Loan Modification documents and returned them to Flagstar Bank. I was told that I was approved and the payment amount was changed from {$5200.00} to {$5800.00} to reflect the loan modification.I have been making a monthly payments since XX/XX/2021. I still do not have a final loan modification. 

I have spoken with numerous Flagstar representatives, who all assured me after they " researched '' my account, that the modification had been approved but the paperwork just hadn't been completed and sent back to me. They explained that they were backlogged due to the volume of modifications they were processing. Due to the delay in completing the loan modification I was unable to refinance the loan at a lower rate. 

Today, my XXXX mortgage payment was rejected by Flagstar and the statement : Loss Mitigation Program Status - The mortgage is currently on an active HFI Modification option, no longer appears! It looks as though they have just put us into the foreclosure process and taken us out of the modification process, with no comment to us at all. 

I'm writing and mailing a registered letter to Flagstar today, demanding that they complete the Loan Modification. Additionally, they have failed to pay a supplemental property tax bill that their representatives agreed was their obligation. I have provided this by fax numerous times. 

Unfortunately, I did not keep a copy of the Loan Modification documents I signed, I sent both copies back to Flagstar, so I can't include them here.

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 2022-10-27
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAD PREVIOUSLY DISPUTED THIS ACCOUNT AND ASKED FOR DEBT VALIDATION BUT NEVER RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my report for accuracy and saw an account for XXXX XXXX XXXX for Original creditor : XXXX XXXX in the amount of {$310.00} for an account opened in XXXX. This is a very old debt that should not be reporting. The Fair Credit Debt Reporting Act states debt should report for a max of 7 years only. The collection was opened XX/XX/XXXX and it is XX/XX/XXXX. The XXXX date for this account is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2019 - {$25000.00} Loan is approved pending pay stub docs submission. 

XX/XX/2019 - contacted via phone to get info on loan and what is needed to complete approval process. 

XX/XX/2019 - contacted via phone that I sign up for membership and ensuring pay stubs are submitted and discussing whether to either have approved loan check delievered or drive to nearest branch to pick up check. They do not do direct deposit. 

XX/XX/2019 - I drive to branch to have branch manager tell me because of no debt on credit report and my reason for loan was bill consolidation was because I was denied. No one higher up would speak to me or whoever branch manager talked to that made this decision. 

Part 2- called Penfed 1 800 number to call highest level of management. I was able to get a hold of supervisor.

He informed me the loan officer was worried of giving someone that amount of money with limited credit history. Despite me being XXXX score and everything being approved. They would not let me speak with a loan officer. 

I was mislead to believe I was approved for a loan and to either get check mailed to me or go to branch. I went to branch to be told I was not approved for loan afterall.

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 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I need to replace a card and ask a few account related questions. However, I can't easily do this as there is no email address, message center, or chat feature on their website. I have trouble hearing, so a phone won't work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.

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 2023-03-20
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have 2 accounts with Crypto.com, each account has its own email and phone number. My first account I got locked out of ( Email : XXXX ) because I did an update and the phone number that was on the account I no longer have. They told me that I had to send in a picture with my name date and a code and they would change my phone number. I did everything like they said and they changed my phone number. My 2nd account I got locked out of as well ( Email : XXXX ) when I had an app. update last week on Thursday XX/XX/XXXX  that I did. When I went to log in the phone number that I had changed the week before was not updated. So when the app. update was done, it was asking for me to put the code that was sent to a phone number that I no longer have. I contacted Crypto.com the guy told me to take a picture of myself with my name, the date and a code and they would change my phone number. It would take 24 hours to update. After 24 hours another person XXXX answers saying that I have to speak to someone to verify that I am who I am. They asked me some questions like what was the last purchase. I know that I answered that wrong, I did purchase the crypto that I said that same day but it wasn't the last purchase that I made because I had made several different purchases. After the call XXXX said I failed the verification and that she wasn't going to speak to me again. Said that there is nothing further to be done. That no one was going to speak to me. So all of my investments they think they are going to keep? I have all my bank statements and emails from Crypto.com confirming the purchase I need my phone number changed on my Crypto account to have access to my investments. I did all these transactions with my wife 's checking account that we share together.

Company response to consumer: Closed with explanation