BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Freedom Mortgage Company
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested a forbearance with Freedom Mortgage and it was accepted and followed exactly. I am now current and did everything as requested including documentation. 

When recently trying to get a small loan to pay off some home improvements I was told I had a 120 day late payment on my mortgage. Obviously this is absolutely NOT accurate. 

I tried to settle this with Freedom Mortgage and they said that even though it was an agreed forebearance they still reposted it as late. 

So here I am

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 2022-10-13
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I filed a complaint with Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. The CFPB case number was XXXX. I will include a pdf attachment of SLS 's response as well so that the responding agent may recall the case.

The response from SLS did not include an email address, or contact information to any specific agent to further communicate with them so I'm forced to make another complaint. Only a toll free number was included which is not helpful in this case. 

" If you have evidence of payments made that are not reflected on the pay history, we request you please submit proof of payment ( either a copy of the front and back of the cashed check or an unredacted copy of the bank statement reflecting the electronic payment to SLS for further research. ) '' Please see the attached document ; a copy of the bank statement reflecting the electronic payment to XXXX for further research. As previously stated, XXXX has shown proof they sent those payments over to SLS. 

I understand that my monthly mortgage and escrow payment increased by roughly XXXX XXXXXXXX XXXX. However, during that time, I was also making payments directly to my insurance. My insurance company had stopped collecting payments from my mortgage holder as well. 

I want to make this point abundantly clear ; I have never missed a mortgage payment since XXXXXXXX XXXX XXXX when I started making electronic payments. Please see to it that the proper research is conducted to allocate the funds in question. The funds being ; my electronic mortgage payments during the months of XXXX, XXXXXXXX XXXX  XXXX. 

Lastly, in the response by SLS, they confirmed that they received both my payments of {$910.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was forced to make those payments by your company, even though I had paid consistently each month ( via electronic payments ). SLS can not justifiably say they did not receive those payments because I have documented proof from XXXX that each mortgage payment ( in the amount of {$800.00} ) was forwarded to SLS. 

In summation, I need to be refunded either the three months of regular payments ( XXXX, XXXX, and XXXX ) or the XXXX additional payments made in XXXX ( the XXXX and 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 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
Company: EQUIFAX, INC.
State: MO
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call at XXXX XXXX from XXXX XXXX, identifying themself as Capital Accounts, from Phone number : +XXXX ( XXXX ) XXXX Area code : XXXX City, State : XXXX, New York County/Parish : XXXX Phone Usage : Landline Phone Carrier : XXXX XXXX XXXX XXXX. 
They provided me information regarding an account that was not even mine ( name of person/company seeking collections ) They did not clarity who they were speaking with. I told them they had the wrong person and then started inquiring about my name and asking me for the phone number of the person they were trying to contact. They then realized their mistake and hung up on me. I called them back and complained.. I am going to report them by report to the Federal Trade Commission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get a modication for over a year with Loancare , LLC. The XXXX XXXX XXXX XXXX ( XXXX ) has been relentless in submitting all the necessary documents repeatedly. Some documents were submitted up to five times ( the same documents ) only to get turned down four times for no apparent reason. I am in need of assistance in saving my house. Thank you for your favorable 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 2023-01-04
Company: W&A Intermediate Co., LLC
State: TN
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:
Wakefield & Associates sent mail to my house asking for money this is a result of identity theft and mail Frauds. Elements of Mail Fraud 18 U.S. Code 1341 - Frauds and swindles intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 


I XXXX XXXX had NO transactions completed between me and Wakefield & Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently got a new job which does monthly paychecks vs biweekly. I deposited my first full paycheck in a month and a half for {$3200.00} at a Bank of America ATM in XXXX, VA on Tuesday, XX/XX/XXXX at XXXX XXXX. The receipt I received said there was a hold on it until XX/XX/XXXX, but it would not say why. I called BoA immediately, and and a supervisor responded that they do not see the hold, but to call back in the morning if the hold is still showing. In the morning of XX/XX/XXXX I called back, asking again for a supervisor. They said they couldn't do anything to help me and that I needed to wait 24 hours from depositing the check to call back. But that it was probably being held because of " federal statutes '' ( I think they assumed I wouldn't know the Federal limit is {$10000.00} ) But I waited and called back in the evening. Speaking to a different supervisor, they said that I needed to actually wait 24 hours from processing, which was XXXX XXXX, to get a review of a check hold and that they have notes to the check hold department to review and release the funds if available. He suggested I call back again the next morning at XXXX XXXX  when the phone lines open. I called back again this morning, XX/XX/XXXX, and again, asked for a supervisor. This supervisor told me that I was given the wrong information and the department I needed to speak to would not be open until XXXX XXXX and that I would need to call back again. At XXXX XXXX, I called back and was disconnected. Twice. I finally get ahold of someone, and they were extremely rude, and when I asked to speak to a supervisor, he transferred me to the account closing department. After finally getting transferred 3 more times to a supervisor, this one tells me that everyone else has misinformed me and that nothing can be done. There will be no review, no check hold removal, or push to clear. I then decide, after hanging up, to check with my employer. The paycheck has already cleared through their bank and the funds have been allocated. So, basically, BoA is refusing to give me my money and causing me financial hardship. I explained that I needed my money as the lack of funds would cause my account to go into the red and was basically told that I was just going to have to pay the overdraft fees. Even though they have the money already and are refusing to put it into my account.

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 2019-10-31
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/19 my on-line in child support information was compromised and money was stolen from my account with my knowledge. I didn't realize the money was taken until XX/XX/19 when I went to use the card and check my balance. XX/XX/19 I filed a dispute with XXXX service and was told the investigation would take 45 to 90 days to resolve. Over the 90 day period I periodically checked on the dispute. At the end of XXXX I recieved a letter stating I wouldn't be getting my funds returned and I need to take the case up with my local law enforcement agency. I initially did that in XXXX, but didn't hear from anyone after I filed the fraud report. So it's XXXX and I'm following up with the original case with the detective who investigated the fraud. I was told that the XXXX lives in Maryland and I would hv to go there to sue them. I hv tired to reach out to PNC bank on several occasions about this issue and there customer who stealing money but can get any help because I'm not a customer with there bank. I do understand what they're saying, but the officer didn't gv me a name of whose account my money was transferred to. He just gave me the state location which is Maryland ( no city ) which by the way I live in Georgia. So now I'm stuck calling different agencies and getting help from Legal Aid and still can't recover my fund. {$1200.00} is a lot of money to me and it's sad that people dont care whether they stilling it from your children or whomever. I can't even let my child money sit and accumulate on his card for him to utilize because of people like this ( who chose to hack accounts and steal money ). But I'm hoping I can get this situation rectified soon cause this is really starting to get to me. If I hv to go to Maryland to sue that person that's what I'm gon na do, but I wish the agencies that handled fraud and the police departments would do there jobs more thoroughly this is ridiculous ... I need my childs money back. If you hv any other suggestion please contact me. I'm going to continue to pursue this until it right. I dispise cheaters, liars, and thieves ... their a the same and should be working for any government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2018-07-24
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/18 XXXX called my Uncle to discuss my debit. Not sure how they got his phone number, but I never gave it to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I scheduled my payment of {$560.00} to have it taken out on XX/XX/XXXX when I got paid, it was apparently never scheduled for the correct day, it got scheduled for XX/XX/19 which was the next payment due, no idea why this would have happened when I scheduled it for that day online XX/XX/19. It never came out of my account. I waited for about 3-4 days when checking back. I checked back online to see what the problem was and could not get logged in for whatever reason to check it. So I called Ford Credit and they told me that they apologized but there was a system upgrade and I would have to try and re-log into my account using my email instead of my user name. Had this been told to me I in writing via email or by mail I would have had some knowledge of what was going on and been able to correct this right away instead of getting a late fee. No one from Ford has even called me to let me know anything and now I am being subjected to a late charge for something I had no control over. I am a good paying customer and have been a good customer for quite a while now. I do not think that its fair that I am penalized for something I was not able to control. I am very upset about this and filing a complaint to get this corrected. I asked for the late fee to be waived and was told that I needed to go online using my email address to log in, make the payment and then the late fee can be discussed. I feel its not my fault in this circumstance since I was not able to log in and when I called no one would take my payment over the phone, that is just not fair to the consumer and I wish to have someone of authority take a look at this and contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ;

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 2020-08-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello My name is XXXX XXXX, Account # XXXX Enhanced Recovery Collection had contacted me on a debt allegedly that I owed around XX/XX/20. At the time I did not know that I could dispute such debt ( after some research, i realized that I could ). I agreed to pay them {$100.00} ( attached letter ) for the simple reason of convenience and I also asked them to please DELETE the account from my credit report, which at the time they informed over the phone THEY WOULD. Based on that acknowledgement, I decided to just pay the debt. After receiving a letter dated XX/XX/20, to my surprise they did not DELETE from my credit and my credit score DROPPED significantly almost 60 points due to this payment. I am frustrated with this unethical deception to collect a debt and then tell me they will remove it from my credit report and then they do not, this is not right. I have attempted to call them to correct this situation. They just do not care. Please help.

Company response to consumer: Closed with explanation