BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage acquired my VA mortgage in late XX/XX/XXXX. I entered the new payment information into my bank 's XXXX XXXX services and the payment was sent on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Freedom stating that my payment had not been received, and showing that 2 payments were due in XXXX. I contacted my bank who verified that the money had gone out on XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX and my bank. on XXXX, I called Freedom Mortgage customer care and set up a 3-way conference with the bank, XXXX XXXX and Freedom for XX/XX/XXXX. 
XXXX XXXX spoke with XXXX at Freedom and gave verification that both the XXXX and XXXX payments had been sent. XXXX XXXX faxed the information to Freedom. 
My XXXX payment had been sent on XX/XX/XXXX. 
On XX/XX/XXXX, a 3rd fax was sent to XXXX at Freedom customer care with the routing numbers for the 2 payments. 
On XX/XX/XXXX, I received a letter from Freedom stating they would review and send a written response following the review, by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that the XXXX payment was received and credited to my loan. 
I decided to use Freedom Mortgage 's on-line payment services and set up a payment for XXXX. To my dismay, it went through for a TWO month payment amount. I was able to have the bank rescind the payment. 
I did call Freedom 's help line and made the XXXX payment only on their website. Freedom still was saying that I am one payment in arrears. 
I have been sending my monthly payments with my bank checks for the last 5 months. 
On XX/XX/XXXX, I again emailed a letter and support documents to Freedom. There has been no response except with their monthly payment statements showing they want 2 payments to bring me current. 

TO THIS DATE, I have had a total of 30 contacts with my bank, Freedom Mortgage, XXXXXXXX XXXX   services, and with no satisfaction. I have a written record of all contacts, emails and faxes with corroborating bank statements and I have written and given all information to my US Congressman XXXX XXXX ' office asking for their help. And now I am filing this request as well. 

I am a senior citizen and a widow. My husband served in the XXXX XXXX XXXX. This problem has caused me great XXXX  and worry. It has also hurt my FICO score horribly! 
I feel that Freedom Mortgage has shown both ineptitude and/or fraud in their accounting department, and a great lack of " customer care '' with their Customer Care '' services. 
I want to be totally exonerated from the allegation that I am in arrears because it is not true!

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 2018-02-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XX/XX/XXXX I spoke with a representative @ Equifax to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XX/XX/XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine XX/XX/XXXXand Equifax keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a transaction was made on my checking account for {$190.00} at XXXX pm in XXXX, CA. When the alert came, I immediately called the bank to dispute the charge. The " XXXX '' claimed it was consistent with my other transactions & would not return the money to my account. It is not consistent, I have never been to XXXX  and not XXXX transaction on my account has ever been made in XXXX. I provided proof I was XXXX hours away, working, and I filed a police report. It is not XX/XX/XXXX, and Citibank will not return my money. They've given me nothing but the runaround.

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 monetary relief
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I have not received credit for the {$500.00} referral promotion bonus that was advertised. I referred XXXX XXXX, SSN ending in XXXX, who opened a Capital One card a couple months ago. When will I receive the referral credit to my account ending in XXXX? 

I was able to get an answer from the Capital One website. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX is showing up as 2 late payment and the account is closed with a XXXX balance it was opened on XX/XX/2014. It was shown as payed never late as agreed but showing on my report as 2 late payments. I have never been late on my account and never will .I then know that it is show this and I know that this is inaccurate charges.

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 2020-10-19
Company: World Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did have a loan with World Financial, but was paid in full by the XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( loan was at the branch office in XXXX Missouri ), never took another one out from them, Have disputed it many times on XXXX XXXX, but they keep saying it was mine and and have even asked for copies on signed note which they have never showed me ( i am sure that it might of been taken out by my " '' EX " '' wife ) the amount is for {$750.00} and is showing taken out " '' AFTER " '' my devoice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: AR
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:
In XX/XX/XXXX I purchased 2 sofas & 2 chairs from XXXX furniture. The furniture totaled {$2300.00} no where near the {$8200.00} amount being reported on my credit report by XXXX  Now. I have no idea where this amount came from. I agreed to do a 12 months same as cash deal with the sales person at XXXX. It was right before they closed for the day & their printer ran out of ink & they could not provide me with copies of any of my agreement and agreed to email me copies, but then they did not. 

I had made payments totaling {$2100.00} then contacted XXXX  now in XX/XX/XXXX to pay my remaining balance so that I could pay the account off prior to the 12 months at the cash purchase amount, but the remaining balance I was given was not at all correct. They quoted me an outrageous amount over {$6000.00}, no where close to what should have been owed. I could not ever get XXXX Now to send me copies of my paperwork that I didnt received upon purchase or afterwards by email as promised.. I never got an explanation to what was going on, so in early XXXX, I contacted the XXXX  XXXX XXXX XXXX ( XXXX ) through an email I found on a letter & he told me a balance of {$940.00} which was much closer to the amount that should have been owed.. I asked him how I could go about paying this amount & he never responded.. so I tried again to call the # I had to pay the account off but was still being told the much higher XXXX Im not trying to make excuses but around that same time my mother was diagnosed with XXXX  XXXX XXXX & my time & energy went into caring for her, not arguing with them & the debt took a backseat in my life.. After my mom passed away, I tried once again to resolve the situation.. without any luck & upon finding multiple lawsuits & countless records of this company doing the same thing to other consumers I filed a dispute with the credit bureaus without any luck. It says they verified the account but I wasnt provided any documentation of this & I dont understand how they verified information that is so incorrect.. I have no problem paying the {$940.00} that I owed on the account, but I will not pay thousands of dollars that I do not owethe incorrect information is effecting my life in a very negative way.. employers in the field of my finance background wont hire me based on a collection on my credit report & Ive also been denied credit.. any help in resolving this matter would be much appreciated..

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 2018-10-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I noticed last year after Hurricane Harvey that my credit had decreased by 10-15 points. Some of my accounts on my report showed " Affected by natural or declared disaster '' in the account comment. Being in an affected area did not impact my ability to pay any debts, so this should not be taken into account in my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: MS
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:
The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX  - fraud, XXXX XXXX XXXX - fraud, XXXX - fraud, XXXX - fraud.

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 2017-06-21
Company: CCB Credit Serivces, Inc
State: CA
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:
I received a letter from CCB Credit services trying to collect {$130.00} from a creditor XXXX XXXX XXXX I do n't know the company File # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account ( XXXX XXXX ) belongs to someone with the same or similar name. Please delete this 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 2021-11-29
Company: CARVANT FINANCIAL LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a vehicle Repossessed in XX/XX/XXXX for non payment had a XXXX lost XXXX in XXXX XXXX and could no XXXX XXXX the lending institution was Carvant Financial the account was closed in XX/XX/XXXX Shortly after I contacted the lender to make an offer of Compromise last month on this loan late payments were added to my credit report for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I contacted XXXX and XXXX to dispute the new late payments after the account was closed this issue remains unresolved so far XXXX has the correct data Can you please help me resolve this issue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2020-10-18
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX XXXX ; XX/XX/XXXX ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XXXX ; 30 days late payment in XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; Including XXXX and XX/XX/XXXX year reported Negative A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase on XXXX in XXXX of XXXX. It was for a preorder of a figure by XXXX called XXXX XXXX. It is item number XXXX and is in the amount of {$180.00}. So the products of XXXX are always in high demand, and they sell out very quickly. I trusted this seller due to a positive feedback rating of 98 % with over XXXX transactions. I had no reason to question my purchase, until I got scammed by this seller. I have waited for such a long time for this item to release and now that it finally has, the seller says he doesnt have it and wants me to wait for more to be produced. I contacted the manufacturer myself and he said that they will not produce more for atleast another year. So, I asked for a refund, which he told me he would give me, but I have yet to see it. I have included conversations of our messages during this time to prove that I still havent received the item. I have contacted XXXX, and they refuse to help me since Im no longer in their 30 day protection window. PayPal also refused to help me, saying that Im past their 180 day protection window as well. I even called them on XX/XX/XXXX and spoke with two people as well as a manager. They refused to help me knowing that I never received the item that I preordered. I feel that because of my unique circumstances stances of being a preorder, I should be protected regardless of their policy which doesnt mention preorders. Bottom line is that I never received the product I paid for and both companies have let me down in a big way. I have been a loyal customer for 15 years and this is how they treat me. My last hope was to communicate with this seller, but he knows he already has my money, so he doesnt have to send me anything. He is a seller from XXXX named djfungshing and Ive been finding out from people online that theyve been ripped off by this guy since he was under another name called XXXX XXXX as well. The PayPal representatives even admitted that theyve had complaints about this guy, but couldnt do anything about it. I just hope that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Self Financial 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:
I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( XXXX ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- XXXX XXXXXXXX XXXX XXXX  Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms 12 Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/18 XXXX XXXX made an unauthorized fraudulent hard inquiry to my Transunion report. Attaching my victim statement/police report for identity theft. Transunion instructed me to contact each company making fraudulent inquiry, individually.

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 2023-05-13
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After receiving a collection letter from the company, Source Receivables Management, I sent a letter of validation of debt on XX/XX/XXXX  because I didnt recognize the company name or the alleged debt they claimed I owed to them. After about a month later the company replied with a sum of charges that did not in fact show any connection between me or the debt they claimed I owed. In the letter I sent to them, I asked for a copy bearing my signature that showed I had any contractual or ever had any contractual agreement to pay them. They have failed to validate this debt and show any connection between me and their company. I believe they are committing fraud on my name and they are currently reporting a debt on my credit that they have not validated.

Company response to consumer: Closed with explanation