BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband, XXXX XXXX and I, XXXX XXXX had a mortgage loan with XXXX XXXX. The loan was sold or assumed by XXXX XXXX. We did not receive the new payment information in time for us to make the payment to the new lender. We missed it by one day and they reported it aas a 30 day late. We paid that loan of in XX/XX/2015. Freedom Mortgage is reporting that the loan is paid off but stating over the various credit bureaus that we are 30 days behind but showing it as 30 days for different months under my name XXXX XXXX & my husband 's name XXXX XXXX making it look like we have 4 30 day lates. The account with Freedom Mortgage is XXXX. This was a joint loan that was acquired by XXXX XXXX. The item from our report shows the variation between XXXX and XXXX XXXX. XXXX doesnt have loan XXXX reporting to them. XXXX  is stuck at a 30 day late with the balance showing. For XXXX XXXX, its updated to a balance not owing but your items shows paid where XXXX XXXX is stuck in the 30 day late position. Plus, with XXXX XXXX, the 30-day late history differs. XXXX XXXX, has the dates at XXXX & XX/XX/2015 late and XXXX XXXX at XXXX & XX/XX/2015. This makes us look like we were 4 times 30 days late which is not true. This has caused us to pay a higher interest on all of our purchases since XX/XX/2015 and now prohibiting us from purchasing a new home. Please help us fix this error. 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 2020-09-14
Company: Experian Information Solutions Inc.
State: MO
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 NOT A DUPLICATE/NEXT STEP IS STATE ATTORNEY THIS IS RIDICULOUS!!!!! I am the one filing this dispute what are you all talking about!!!! 
I have attached the errors On XX/XX/2020 I sent in a dispute to Experian for XXXX acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation. Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In 2019 XXXX XXXX, XXXX XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XXXX and XXXX. 

I request to change the inquiries to a soft since the process working with XXXX XXXX is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link.

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.

Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, XXXX XXXX must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

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 2019-01-07
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 information incorrect

Complaint:
XXXX  XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Genesis FS Card Services, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Genesis FS has failed to accept the terms of the agreement with XXXX XXXX XXXX. They accepted the payments that means they accept the terms of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company continuously calls me from a variety of different numbers daily attempting to record my voice as they illegally brought my debt from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Lending Club Corp
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/21 I applied for a loan on the Lending Club website. I did a joint application with my husband, XXXX XXXX. The Lending Club issued the loan only to me ( and in my old name for some reason ) and excluded my husband from the loan. I called and spoke with two different reps at LendingClub on XXXX and both told me that there was nothing they could do. This is a huge issue for a number of reasons. 1. Now all this debt is in my name alone which will affect my debt to income ratio and my overall credit score. 2. We may have been able to receive a lower rate and different terms if my husband had been included with his income and credit score. 3. They are sending direct payments to pay off some of our other debt, one is a car loan that is solely in my husband 's name and I'm not even on. Given the severe financial ramifications that I will have to experience as a result of this for years to come is not acceptable. They are refusing to do anything even though they are the ones who caused this issue. It is not okay to punish a consumer, especially so seriously, because of a company 's error. I've contacted them multiple times and requested management or an escalations dept, neither of which I was ever transferred to. I was told anyone I was transferred to would tell me they can't do anything, even though this is their error. I need to have this rectified. They should redo the loan in mine and my husband 's name and remove the original credit inquiry they put on my report. My terms should be adjusted to show the co-applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reported : XX/XX/2023. By : Bridgecrest Amount : {$7200.00} Action was : I spoke with company informing them of the fraud and that this debt was not mine.Then they informed me to file a complaint to CFPB.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: MD
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 multiple request 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}

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 2023-09-02
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am filing a complaint due to ongoing harassment from collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. 

Description of the Issue : I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: American Credit Acceptance, LLC
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:
I have not only contacted XXXX, XXXX and XXXX concerning this inaccurate information reporting on my credit reports, but I have contacted American Credit Acceptance directly regarding this inaccurate information being furnished onto my credit reports. My car loan through American Credit Acceptance is not delinquent nor is it in repossession status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Old information reappears or never goes away

Complaint:
Account number XXXX Experian has been allowing this company to report after XXXX gave written consent that they would remove this paid account from my report in XXXX. I sent all my information and proof to them and they refused to remove this account from my report. I have tried to dispute but they abuse their position and just deny my claim without even doing a reasonable investigation. This account is also in violation of the FCRA 7-year limit to even report this account. The account is as old as XXXX. 


Account number XXXX This account should be removed from my report because it has passed the 7-year limit per the FCRA policy Account number XXXX They are allowing this company to inaccurately report on my credit report. This account shows the last activity was XX/XX/XXXX but that is inaccurate due to it being closed in XXXX. The last payment was in XX/XX/XXXX. They are also in accurately reporting the balance and I would like them to update the balance owed correctly or remove the account from my credit report. 



The following accounts should be removed from my report because they are all paid 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 explanation
Consumer complaint received 2023-09-06
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I purchased my home at XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XX/XX/2023. I am being charged for PMI even though I am below the threshold to be charged for this. The appraised value for my home is {$320000.00} and I only financed {$240000.00}. Therefore, I am only at 76.48 % loan to value. I have asked for this to be removed, but the company is refusing. This is not right and needs to be fixed immediately.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 believe Im a victim of identity theft, because I have no clue about the account showing on my credit 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called to see how can I target my payments to specific loans so that I can pay them off using the snow-ball effect. I spoke with one of the representatives and she explained in detail how to exactly depict the information on the money orders so that the payments could be targeted to certain loan sequence numbers. I did exactly that and STILL, whomever processes the payments, doesn't look at the annotation on the memo portion of the money order and applies the funds towards ALL of the loans. I have called numerous times to get them to change how they allocated the funds and STILL it has not occurred after being told that it takes 7 business days to get this changed. Here we are a month later, and STILL the payment hasn't been changed to target the one I wanted. This last time, I sent the payment with a written piece of paper of how I wanted the funds allocated on top of writing it in the memo portion as instructed. I checked a few minutes ago, and STILL they allocated the funds the way they wanted to against what I wanted. How am I going to see my loans paid off when they do what they want to instead of doing what I am instructing them to do? At this rate, I will NEVER get my loans paid off. PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
This is not a duplicate complaint. This is a new complaint about the same card company. Way2Go prepaid card for AL unemployment.

I filed a very detailed complaint against Way2Go on XX/XX/20. The complaint # is XXXX. Way2Go replied the next day and the complaint was closed. Absolutely nothing was  resolved! On Thursday, XX/XX/20 XXXX the advocate from Way2Go said he tried calling me twice and sent an email and he would try to call me 2 more times. This is not true! XXXX called me Thursday at XXXX and left a voicemail. I returned his call within the hour. That is the one and only time he called me. He also emailed me at XXXX. I tried to reply to his email at XXXX. I received an automatic reply with an error message. He did not leave a direct email address. 
My new complaint is that Way2Gos reply to CFPB is not true. I do not think the complaint should have been closed. They only tried calling 1 time and sent 1 email that cant receive a reply. 
XXXX left his his call back # XXXX. It rings 1 time and goes straight to voicemail. I called a left several messages on Friday  XX/XX/20, another message on Saturday and I have already left a new voicemail today Monday XX/XX/20. 
Any help is appreciated!! My AL unemployment benefits were deposited to Way2Go card company on XX/XX/20 I was told on XX/XX/20 that a card was being expedited 3 day XXXX. After calling for days, staying on hold for hours, being hung up on and speaking to several different customer service reps who all told a different story on why they could not provide me with a XXXX tracking # ... I was finally told that they did not send the card XXXX it went out in the reg mail. My utilities are being disconnected, my car is being repossessed and I have the funds to pay but can not because I do not have the Way2Go card! 
It is very frustrating to be so desperate to have to file a complaint against the card company w/ CFPB and Way2Go reply the very next day like they are trying to contact me and help. That is an insult when the truth is they tried 1 time and closed the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been completely unable to use my account, withdraw funds or use my debit card. Ive reached out to my bank with no solution or assistance from them. I can not access or use my money

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 2020-12-23
Company: QuadPay
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I made an online purchase with XXXX and immediately cancelled it. I paid with QuadPay. They did refund the initial payment then debited {$1.00} from my account. There isnt supposed to be any fees if the purchase is canceled or refunded. They do not provide a phone number to contact. They have online chat only and will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date Opened-XXXX XXXX XXXX Account type : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Date Opened-XXXX  XXXXXXXX XXXX Account type-Collection

Company response to consumer: Closed with explanation