BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX, Freedom Mortgage has attempted to charge me a late fee each month even though I have never been late with my payment. I have repeatedly had to prove that I was not late with any of my payments. In XXXX, I paid my mortgage, entering my account number correctly ( triple checked as always and no other company had an issue submitting for payment that same month ), but several days later Freedom Mortgage reversed the payment. They did not attempt to contact me to let me know there was any issue. I did not realize they had reversed the payment until after my payment was now late. Speaking with them on the phone they claim I entered the account information incorrectly. Again, I do not believe I did. I triple checked and it is the same bank account number that I enter to pay all my bills. I have not ever had an issue previously from other companies using the account number. 

Freedom Mortgage purchased my loan and I have had difficulties with their website and their company since that time. I feel like they have been attempting to put on my record a late payment and charge me extra this entire year and now they found a way to do it. I can only imagine if they do this for every client how much extra money they would rake in charging everyone almost {$73.00} extra a month. 

If they had reached out as soon as there was a problem ( if there even was one ) then  customers would have a chance to rectify the problem prior to the due date. They have my email address and my phone number. Terrible customer service and a rotten business practice. 

Oh and by the way, I mentioned while on the phone just a minute ago that I would be making a complaint and suddenly the website isn't allowing me to see my account information. I could see it prior to complaining but now it is suddenly unavailable.

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 2018-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX 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 AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS

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 2018-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX 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 THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was stopped at '' XXXX XXXX  '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX on XX/XX/2022. The time was roughly XXXX XXXX. when I arrived, I was stopped by a lady with a XXXX XXXX XXXX column at the mall. I told her I was on my way to XXXX XXXX  which is reputable fragrance store there. She recommended that I look at her selection. After smelling the fragrances there I told her I was uninterested. She asked which colognes I liked, and I described to her the ones I owned. ( Which are all worth over XXXX ) I asked if she had XXXX XXXX lband she stated, '' All we have are cheap colognes. I'm really desperate for sale. Can you please just buy one and I'll give the second half off. '' I was completely uninterested as the clones were cheap and unappealing but as a sympathetic person I made the purchase as the total was cheap ( XXXX ) She swiped my card and handed me the bag and I went to XXXX XXXX like I originally intended. As I was there I noticed the cell phone Capital One notification for {$140.00}. I looked in my bag and noticed they had not given me a receipt. I immediately went back to them to confront them about the charge. When I arrived I was told they would not give me the correct degree-upon price. I told them if they won't I want my money back and to return the items. They denied me completely as it became apparent I was conned. The packages remain unopened to this day in the same condition I received them from less than 2 weeks ago. The going prices for these exact replicas you can find at most retailers for {$17.00} and the other for XXXX or less and I she was " desperate '' ( con artist ) I didn't mind paying XXXX bucks over. But {$110.00} over is ridiculous!! 

I filed a dispute online with Capital One and since exactly what they wanted three times over fax. Spoke to five Representatives thoroughly explaining what happened. Also sent another document with my name case number date and signed through a PDF from my email separately. I realize that my bank is clearly on the merchants side as they've also disregarded completely any information I've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: MIDFIRST BANK
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance through the Louisiana XXXX XXXX  XXXX. I was approved for $ XXXX, they are waiting on documents from Midland. When I call Midland Im being told that the Louisiana XXXX XXXX  XXXX denied my application, I did a conference call with Midland and the Louisiana XXXX XXXX  XXXX, the XXXX XXXX  XXXX told Midland that they hadnt denied the application they are still waiting on them to send in documentation, the representative for Midland said she was notating the account and the matter would be resolved. As of today XX/XX/2022, this matter is on going. Whenever I call Midland its always the same thing, homeowners fund denied your application I tell the rep no thats incorrect Midland put those notes in there, its always a debate. Everyone I speak with at Midland always tells me something different, I have XXXX XXXX even thinking about calling, I feel like theyre trying underhanded practices to make me lose my house.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-31
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is what happened when I wrote XXXX  in XX/XX/XXXX Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX XXXX XXXX XXXX XXXX, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in XXXX. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from Experian but XXXX and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to XXXX XXXX. I need your help please, even on making an action lawsuit against these companies please. 

Now, it is XX/XX/XXXX and XXXX have not done anything to resolve my issues that are fraudulent and I can not even access the online form on their site to dispute my issues. This is so frustrating and unfair and unjust from this company that I dont understand how the government allowed for this type of practices to take place. I am a 100 percent total and XXXX XXXX XXXX that is trying to purchase my first home for my family and this company is keep on reporting fake account and inquiries that I never did, that I never allowed. 

If I miss out on closing on my property I will sue this company and I need your help because it is completely unjust. I call everyday to talk to a representative and they keep on transferring me and then they say the department that is handling your case the office is now closed. I NEED HELP PLEASE CFPB, YOU HAVE TO HELP

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 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We applied for a 2nd Bank of America VISA XXXX XXXX  credit card after XXXX receive an offer in the mail. XX/XX/2023 {$100.00} statement credit. XXXX bonus miles and famous companion fare {$120.00}. We received the cards and I used mine to charge {$3700.00} on XX/XX/2023 for my first XXXX XXXXXXXX. Since then, we have been trying to get XXXX added as an " owner '' instead of just an applicant. Bank of America has not been honest and transparent with the application process. So this card did not show up online with our 5 other accounts, checking, savings, XXXX XXXX XXXX, 2 equity loan accounts. After calling them up, we were told that XXXX had to give his permission to add me as a co-owner. We did this. XXXX gave his permission over the phone and the rep claimed " her computer crashed ''. She told us to go into a bank branch. We did. XXXX tried 2 times to call the credit card phone XXXX. 2nd time we got through. To verify us, the rep tried to send XXXX 's work phone a code. It did not work. They tried to send a code to XXXX XXXX XXXX. It did not work. The bank manager had to confirm our identities on our drivers ' licenses. They then responded that this account would go to a board to decide if this change would happen or they would cancel and start a new account. So i used it a couple more times and paid the {$5000.00}, more than we have charged. NOTHING. We can not see this credit card and our transactions. We do not know why BA is denying this credit card. XXXX does not do any online banking and gave his permission for me to keep track of this card. XXXX is a community property state so why does this even matter? Maybe you guys can get BA to add me as an owner on this account so that we can see it online with our 5 other accounts.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: FL
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:
I has come to my attention that my account ending in XXXX was assessed a monthly maintenance fee of {$14.00} and taken from my account without my written permission XX/XX/23 and XX/XX/23. I have spoken to a representative over the phone and a representative in the mediation process for a different situation and have received no assistance in removing the monthly maintenance fees.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-07-19
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Flagstar Bank N.A. at XXXX XXXX XXXX, XXXX, MI XXXX This time, got a letter in the mail asking me to apply for a HELOC. 
Then got a voice mail asking me to check status of my mortgage on line. Checking it only to find that everything was in order. 

Before this, I got letters from the Flagstar bank saying my mortgage were in the process being foreclosed. Contacting the company only to find out that due to increase of property taxes, my last payment was short of a few dollars and they had already charged my hundreds of dollars of late fees. I paid everything and they promised to reverse the late fees and they never did.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-04-15
Company: ENOVA INTERNATIONAL, 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:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of CNU Online Holdings Date : XX/XX/2018

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector did not send me a debt validation letter- to include the amount of debt, name of original creditor, and statement regarding the right to dispute the debt, and to obtain the validation of debt. 

The debt collector calls from a number that comes up " Private Number, '' " Unknown, '' " Out of Area, '' or " Restricted, '' on my caller ID. 

The debt collector calls and does not leave messages Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX  Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2018-11-24
Company: Experian Information Solutions 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:
Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 walked in a dealership XXXX XXXX of XXXX Pennsylvania I specifically told the sales rep not to run a hard inquiry and I did n't sign everything with them on X/XX/17. The sales rep hit my credit with a hard hit anyway after I told him soft hit only and this was not the first time it happened to me with this dealership! The first time the company ran my credit to multiple bank 's without my permission. I also feel the company overcharged me for the vehicle I received.

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