BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: CA
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: Didn't receive services that were advertised

Complaint:
I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and equifax a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.

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 2015-05-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was a XXXX many years ago. I applied for a corporate credit card. I was told over the phone ; while completing the application that the company would have to use its tax ID to apply for credit. Since it 's a corporation I can not be a personal guarantor. The organization went down under and was not able to pay its bill. The business was dissolved and has since been defunct for about 10 years. Since 2011 I 've notice that XXXX judgment was placed against me totaling XXXX. I have no idea why this company is going after me, knowing it is the company that is responsible for the debt and not me. Last year my mother got a letter from a law firm requesting for me to be present. I went and was asked questions without legal representation. I was afraid of what the attorney was asking so I inform the attorney I have legal representation and would not answer any questions. I move a lot because of my mother inability to pay her rent so I usually do n't get follow up mail. HSBC is the company that issued me the credit card for the organization. Their collection agency has went to court in New York and put a judgment against me. I was never served or was informed about anything. Not once I was given the opportunity to give my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested forebearance assistance about 2 weeks ago due to COVID 19 and to date have not heard anything. I did this on the internet website 53 baNK has. tHERE IS no one that picks up the phone in loss mitigation. I have still not heard anything and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls and hangs up when my employers answers, left threatening voice mail messages, when employer answers phone will ask for a person that does not work there, calls repeatedly throughout the workday. Repeated phone calls disrupts business operations and prevents legitimate customers from being able to reach Employer. Overall unwarranted and unsolicited and excessive harassment. Have been told to stop calling and will not stop calling the workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My issue was with XXXX XXXX ( XXXX XXXX XXXX   ) They reported 10 year old debt on my credit report and when I called them refused to answer any questions about why they reported it illegally. I've disputed their report through XXXX   and am reporting them now to make sure they don't attempt to trick anyone else with a false report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There are multiple unauthorized transfers occurred lately in my saving account in Chase bank, it is common sense that nobody use saving account for online purchasing, I did n't get any alert / call from the bank, due to the security loophole in their online banking system, those transaction went through without any authorization or approval from me, and they refuse to fully recover my loss, which is totally unacceptable : XX/XX/XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : XXXX XXXX XXXX WEB ID : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: MO
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:
I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen

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 2018-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, an unauthorized hard inquiry by XXXX XXXX XXXX XXXX XXXX was reported on my Equifax credit report. I disputed this unauthorized inquiry on XX/XX/2018. I read the dispute results on XX/XX/2018, in which Equifax stated they would not remove the unauthorized inquiry from my report and that I need to contact the creditor if the inquiry was unauthorized. However, no contact information for XXXX XXXX XXXX XXXX XXXX was provided in the dispute results or on my credit report. 

I have no account or dealings whatsoever with XXXX XXXX XXXX, nor have I applied for any account or credit with XXXX XXXX XXXX at any point in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today I noticed a charge of {$160.00} debited out of my Navy Federal Checking Account. I contacted NFCU to see what this charge was for and was advised by a supervisor by the name of XXXX, managers name is XXXX that I previously owed a debt that was charged off in XX/XX/XXXX.  However this debt to NFCU was included in bankruptcy that was filed on XX/XX/XXXX in the US Bankruptcy Court XXXX District of Georgia, Case XXXX, the meeting of creditors was held on XX/XX/XXXX and case was discharged in XX/XX/XXXX. When the bankruptcy was filed NFCU closed all of my accounts. I recently reopened my NFCU account in early XX/XX/XXXX. All the representatives were aware that my accounts had been included in bankruptcy and because of this I had limited functions on my NFCU checking account and still do. I would like to add that the accounts which include a checking/savings, credit card and personal loan are also listed on my XXXX, XXXX and XXXX Credit report as being filed under a bankruptcy. My rights have been violated under the Federal Fair Debt Collection Act and I am requesting that this issue be carefully looked into. This is unfair and has caused emotional stress. Now I am worried that my money that I have worked hard for is not safe in this account and that NFCU is  unpredictable and will attempt to debit money out of my account in the future.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2018 I paid off 2 credit cards issued by XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX business card. I have paid my bills monthly and when I paid the entire balances off in full, my accounts were closed without notice or explanations. I have tried to reach out to XXXX XXXX to figure out why and was told that because my credit score changed I was a risk to them. To make matters worse the paid off accounts are not reflecting as paid off which would significantly impact the credit score. The closure of these cards have/will negatively effect my credit rating. I can Understand if i was late or severely past due but I wasnt. Please help me fight this. 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 2020-05-01
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING

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 2019-06-11
Company: Academy Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a past customer and client of Academy Mortgage I trusted them with the loan process to purchase a new home and they completely mislead me causing me to loose my earnest deposit and inspection fees along with payments made to pay down an account with the assurance my loan was going to be approved. This does not include my time spent constantly leaving work to gather every piece of document to take care of every request asked of me in addition to the time spent packing leasing out my property and preparing to move with continued promises that we would be closing on time.

The loan officer that Academy Mortgage has working for them name is XXXX XXXX. This individual should not be allowed to originate loans. 
There were many opportunities that academy mortgage had to be honest and not use such deceptive practices and mis-lead me through the process. Upon loan denial which was over a week after the scheduled close of escrow which I was promised the whole time would be met My loan was denied because I was not married. I went and got a 2nd opinion on the issue, and another lender immediately denied me because my DTI was too high. Now these are both two simple items that Academys employees failed to identify up front. This could have been caught early on by the loan officer, processor and underwriters. Instead they continued to drag me through the process promising they would get the job done. In the end, Academy only refunded me for the cost of the appraisal. Im requesting this be investigated and Academy issue a refund for my money lost on the earnest deposit and money spent on inspections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was listed under the bankruptcy ; however its still being reported separately on my credit reporting. Basically, I am being penalized twice. 

The bankruptcy was filed on XX/XX/XXXX. This was reported XX/XX/XXXX. 

Also, I believe this debt was due to identity theft/fraud. I have recently gained knowledge of fraud using my social security number. I have attached the bankruptcy filing which will list Optimum Outcomes on page 15, column 2, 5th row. 

The police report has also been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a XXXX XXXX at my XXXX 's office on XX/XX/2017. The charges for the XXXX  XXXX procedure were submitted to and covered by my XXXX XXXX XXXX XXXX XXXX XXXX medical insurance. I received a copy of the Explanation of Benefits provided by XXXX/XXXX  to cover the cost of the procedure. The XXXX XXXX XXXX provider of the service was a XXXX XXXX/XXXX  XXXX " preferred provider '' and, as such, was required to accept the amount indicated by XXXX as payment in full for the services rendered. XXXX XXXX and XXXX XXXX paid their portion and I paid the patient portion in full. The doctor 's office has attempted to collect an additional {$790.00} from me that I do not owe. I have received numerous calls and letters from them, their internal collections department and an outside collections agency. Each time, I have submitted letters disputing the validity of this debt and provided them with copies of my XXXX XXXX XXXX Explanation of Benefits, which clearly states that I am not responsible for any additional amounts. This have been going on for nearly two years and I am suffering a great deal of stress and anxiety because of the ongoing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my ex-husband and I had a sun room added to our first home. The original loan documents were place with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, Minnesota XXXX for approximately {$32000.00}. This loan was then bought out by Green Tree XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. On XX/XX/XXXX, Green Tree Mortgage merged with Ditech, which is my current lien holder. After placing several calls requesting a copy of my entire payment history, XXXX, customer service representative, advised me this request will have to be submitted via email. On XX/XX/XXXX, an attempt via email was made to obtain a copy of my payment history beginning with origination date to present, which has not been received as of date.The original loan amount was approximately {$32000.00}, with monthly payments being {$410.00}, my payment being made in XX/XX/XXXX, which I continue to pay as of present. I currently send this company {$200.00} bi-weekly which are paid through my bank via my pay. I can't seem to understand how I have paid this debt for 18 years and still have a remaining balance of {$27000.00}. I have paid off the home which was roughly {$64000.00}, paid off a brand new car which was roughly {$24000.00} since taking out this loan and still owe pretty much the same amount of monies that were initially financed. This can not be, this finance company is fraudulently taking my money by adding astronomical interest to this loan. Ditech is making false representations about amounts owed as I do not owe the above stated amount. According to the loan statement, my current interest rate is 14.999 % with only {$70.00} being place toward the principal of this loan. At this rate, this loan will never be paid off, despite already paying {$90000.00} which is triple the amount borrowed for a {$32000.00} sun room. Please assist me with getting some type of resolution and/or relief from this debt. The practices of Greentree and Ditech are unfair, unjust, unethical and predatory. As evidence of the origination amount, amount of years I have been paying on this loan and remaining balance, I am a victim of predatory lending! At conception of this loan, we were prayed upon as a young couple purchasing our first home and were deceived into predatory practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My payments was XXXX to HSBC and somehow a different company received my payments. When I got the check I back, I XXXX it back with an address on their statement. I told HSBC to send an update statement to assure that my accounts was up to date. Never heard from them. My statement keep showing past due amounts and when I finally hear back from a rep they tell me my accounts is only the current payment due, so I ask for a current statement and I never get it. I 'm so stress and ca n't sleep..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.

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 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello I do not recall missing a payment for capital one nor XXXX XXXX XXXX. I reached out to these two companies time and time again to help correct the error and I was informed that the matter would be handled accordingly. I was told that it was an error on their part and the issue would be forgiven. This has not updated to reflect on my report and I am pleading with you and to please correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX, 2017, I applied for a checking account from BBVA Compass because of an offer they had where you would get a {$200.00} bonus after opening a checking account and getting a {$300.00} direct deposit. BBVA sent me an email saying that my account was under review and I would be called soon. I was never called, and despite me calling and emailing them numerous times over the next two weeks it wasn't until XX/XX/XXXX that I was told my account wasn't under review any more and I was able to sign in. 

I met all the requirements for the {$200.00} bonus -- I read all the fine print, and did exactly what I needed to do. I never got it. I've called them several times and messaged them on the website several times and gotten the runaround, and repeated refusals to help because " the promotion expired on the XXXX and your account was opened on the XXXX ''. They obviously just delayed the official account opening date so they could cheat me out of the {$200.00}.

Company response to consumer: Closed with monetary relief