BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been getting repeated calls from the company Freedom Mortgage. This has been happening for several weeks. In each case we have informed them the house has been paid off since the late XXXX 's and there is no intention to open a loan on a house that is paid off. We have been told repeatedly that we applied for the loan which is not true. We have repeatedly asked to be removed from the call list. WE have been repeatedly told it would be done. This morning alone we received two calls no more than 5 minutes apart. The main Customer Service phone number for Freedom Mortgage is 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 explanation
Consumer complaint received 2017-12-29
Company: N.A.R., Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a call from XXXX on XXXX XXXX, 2017 calling about a debt somebody owed but it was n't me. I do n't know how they got my number AT ALL. I am under my parents phone bill and how they got the number is beyond me. He refused to tell me who and why he was calling me at the crack of dawn. I called back repeatedly to find out why he had my number and who he was and he refused a manager, or any information. I am on the do not call list and should not be getting these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX wont remove the inquiries that I didnt make

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: FL
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:
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS.
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Class Financial
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Contaced by text message to my cell phone with the following unsolicited message from XXXX : You Have Been Approved For Forgiveness Of Your Federal Student Loans But Your Application Is Incomplete. Please Call Our Office At : XXXX To Complete Enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I opened an account with Direct Express Bank ( located in XXXX XXXX ) by depositing two checks in a total amount of approximately {$2.00}, XXXX. I called the bank 's customer service number ( XXXX ) XXXX and spoke with XXXX, a customer service representative. XXXX stated that my balance is {$0.00} and that my account would not be credited until XXXX. I don't understand why I can't access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I have recently attempted to contact XXXX, Experian, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

Experian : On XX/XX/XXXX I sent a letter to Experian asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to Experian, I never received any responses back from them. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.

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 2022-02-17
Company: EQUIFAX, INC.
State: TN
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:
My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, manager name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over 15 years old. This so-called forgotten account did not show up on the credit report. If so my financial advisor would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. Two of the credit bureaus are now less than 600 and the other is less than 700. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Guiid and was told they wont give me any information. On my credit report dated XX/XX/XXXX it shows Guild listed 2 times one loan opened XXXX ( per paper work the loan on the XXXX ) In XXXX. Says XX/XX/XXXX to XX/XX/XXXX loan amount XXXX. Next line on the credit report has Guild listed again Open day XX/XX/XXXX. to XX/XX/XXXX with the laon XXXX amount of XXXX. How do 2 loans with 2 amounts cross months clearing states open XX/XX/XXXX closed XX/XX/XXXX there is XXXX XXXX and XXXX that cross themselves and then the loan goes up Please explain. lsp om the XXXX Guild had the loan XXXX XXXX and XXXX of XXXX, on the XXXX its shows Mortgage insurance of XXXX, But XXXX had the Mortgage for 9 months and theirs say Mortgage insurance on the XXXX XXXX please explain and tell me what insurance co you gave this to.. Oh yes i have another copy saying loan closed XX/XX/XXXX and another saying closed XX/XX/XXXX These are the yearly Analysis. When the refinance was done how did my home loan get so high when the land is worth 10 years later maybe XXXXCause you have 2 loan amounts and i don't have paper work on a 2nd refinance with you in a 6 month time frame explain this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian I contacted this alleged company early this years and this alleged account was found not mine you Experian removed this alleged account I see again it is being reported again I never got a five day resertion letter from you { by law } this is not my account again please remove account from my credit report thank you

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 2017-11-16
Company: BB&T CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BB & T locked my savings account after a year of no withdrawals. I transferred funds into the account, after all, its a savings account - designed for long term savings - but BBT doesnt consider the transfer of dollars into the account as an activity. Now the dollars transferred are locked. They state that i need to come into a location to unlock and receive my funds. 

I live out of state. I have a notarized letter stating my desire to close out the account and release my funds. All attempts to fax fail as the line is constantly busy. The bank has yet to return my calls to e-mail them a signed copy as an alternative to their fax. 

This is the BB & T on XXXX XXXX in XXXX VA

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 2021-09-22
Company: CCM Finance LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX, entered into a consumer credit transaction with CCM Finance LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. XXXX usc XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CCM Finance LLC took cash. The finance charge is suppose to include insurance, but CCM Finance LLC made me purchase insurance separately. 15 USC 1692 ( a ) .states, Abusive debt collection practices contributed to the invasions of individual privacy, CCM FINANCE LLC willfully gave and willfully admitted to giving my information to a illegal third party, XXXX XXXXXXXX XXXX XXXXXXXX, who wasn't a witness to the agreement, and also I never made any agreements with nor contract with, my personal information to find my location, which is an invasion of my privacy and sensitive information, to come and steal my vehicle which is theft. CCM FINANCE LLC is in violation 15 USC 1611. CCM FINANCE LLC willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and transunion have not sent me validation of the account on my credit report XXXX XXXX auto finance. XXXX has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from XXXX  or transunion they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification

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 2019-02-20
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express issued me a card that they charge an annual fee on. This card was advertised as a no-limit card, allowing me to make purchases and pay off monthly in full. A limit was out on shortly after it was issued because I was told I had a short history and based on the financial information available. 
I recently requested a limit increase and was told they needed additional information to review. I submitted by bank statements ( attached ) and never heard back. I called today and after hours of passing me around, I was told no one was working on my file although they had received the paperwork. 

I am requesting that this be acted on the limit removed accordingly, and if not, that my annual fee be returned as the limit does not give me enough purchases to justify the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX, Transunion mailed the result of an ongoing investigation regarding some negative accounts on my report. As seen from the attached exhibit, they mentions XXXX XXXX XXXX XXXX XXXX  XXXX was verified. i demand to see a full disclosure, audit, and paper trial of this investigation.

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 2022-02-17
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear Team, As we hear more and more about the damages and faulty practices by both schools and lenders my story is no different, a great travesty! The two loans which were consolidated in XXXX are essentially the same balance at hand in XXXX after still paying over {$110000.00} and yet they want another 20 year commitment for {$120000.00} balance to consolidate again. Just criminal. I have paid before consolidation in XXXX and from XXXX onward to XXXX with the same if not more outstanding balance. AES is the gatekeeper who does nothing after repeated calls because they are NOT the lender. every time I call to ask for some kind of forgiveness they will not honor even after working for nonprofits which are listed for forgiveness because my loan does not qualify. Again, I have had and made consistent payments for over 20 years. The loans came with a very high weighted interest since loans were originally taken out in the XXXX so now at 6.125 % for {$38.00}, XXXX and {$81000.00}- they are now at {$39000.00} and {$87000.00} with consistent payments of well over {$130000.00}. They were never honest and up front as to the types of pay back the loans that would be forgiven so even when I made consistent payments they did not fall under the description for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received notice of an escrow shortage from XXXX XXXX. That letter stated that I had the option to pay the shortage outright by XX/XX/XXXX or to accept a payment increase on XX/XX/XXXX which would ( over time ) correct the shortage. I elected to pay the shortage outright and they received my payment on XX/XX/XXXX. Because the escrow shortage was less than the regular payment amount, they placed the funds in suspense. I sent a secured email ( ref ID XXXX ) through their website on XX/XX/XXXX which informed them that the payment was to cover an escrow shortage. On XX/XX/XXXX I checked the account and LoanCare had misapplied the funds ( as loan curtailment ) so I called and was told that my XXXX payment ( for the increased amount ) would not change. I replied I would pay my regular amount and not the increase because I complied with their instructions and they misapplied the funds. There was similar miscommunication relative to escrow shortage when XXXX assumed servicing for my loan in 2015.

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 2021-09-22
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Discover Financial Services. I sent an email on XX/XX/2021 to Discover Financial Services Executive Offices. That email requested a Check/Voucher for Exemption be sent to me in the mail or attached to my billing statement that would allow me to discharge my debt. Discover sent me mail containing a letter on XX/XX/2021 stating that they were closing my account and included all of my credit card statement history, but the Check/Voucher for Exemption was not included. 

I would still like Discover Financial Services to send me a Check/Voucher for Exemption. Discover is allowed to access my pre-paid credit at the Federal Reserve and I will be allowed to discharge my debt at the Federal Reserve with the Check/Voucher for Exemption. Discover Financial Service fails to follow the Commercial Administration Laws under Federal Title 15 that apply to their corporation.

Company response to consumer: Closed with explanation