BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-16
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX XXXX, a realtor, about buying a house in XX/XX/XXXX. She highly recommended XXXX XXXX as a mortgage originator. I first spoke to XXXX XXXX around XX/XX/XXXX about applying for a mortgage loan and at the time my credit finances were not in order to qualify for a mortgage loan. I contacted him again in XX/XX/XXXX as my finances and credit would now qualify me for a mortgage loan. In all of the conversations throughout the years I stated I wanted to use my veterans status to qualify for a VA mortgage. When I first inquired about a mortgage loan I worked at my job for two years, which was an incentive based job and that qualified me for a VA loan at that time. I left that job and started a position with a different company that was salary based for 1 year. I then started a job that was once again incentive based, which I am currently working at and have been for 1 year and 6 months. When I once again spoke to XXXX in XXXX I indicated my work history was 2.5 years of incentive based income XX/XX/XXXX-XX/XX/XXXX, 1 year of salary based income XX/XX/XXXX-XX/XX/XXXX, and now 1 year and 6 months of incentive based income XXXX-current. I have included the timeline of conversations with XXXX. 

XX/XX/XXXX - I was pre-qualified for my mortgage XX/XX/XXXX - XXXX confirmed that I would qualify for a VA supplemental loan XX/XX/XXXX - The underwriting process started with AnnieMac for my VA loan XX/XX/XXXX - Transfer of funds from XXXX mutual fund for the FHA mortgage loan closing cost. 
XX/XX/XXXX - I send XXXX my W-2s confirming my work history : XXXX, XXXX, and XXXX XXXX. 
XX/XX/XXXX - I met with XXXX to discuss my financial status and credit worthiness XX/XX/XXXX - I emailed XXXX my assets that would improve my financial worthiness. 
XX/XX/XXXX - I was conditionally approved for a mortgage loan. 
I did not confirm if I was approved for the VA mortgage loan, however I never discussed any other type of mortgage loans other than the VA mortgage loan. I felt ask if XXXX know I had access to the assets if needs to cover mortgage cost, however I did not need those assets to cover any mortgage loan cost or fees. 

I reported my grievances through a company survey. I reported the following : 1. Taxes paid due to using mutual funds for closing cost. 
2. Having to pay mortgage insurance premium ( MIP ) with the FHA mortgage loan that does not benefit me at all. 
3. Not having the opportunity to ask for 6 % closing cost with FHA loans, compared to VA loan that has a maximum of 4 %. 
4. Not having a the opportunity to work overtime to pay of closing cost or the FHA mortgage loan. 
5. Not having the opportunity to use the Supplemental Funds with a VA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Chase Bank has been told to not honor any electronic withdrawals from my account by  XXXX   XXXX , yet they continue to accept these illegal electronic transfers from my account by  XXXX . The most recent try was this week where  XXXX  tried to withdraw {$640.00} causing a {$400.00} shortage in my account for which  Chase  charged me an overdraft fee and a fee to stop the  XXXX  transaction. Chase has charged me a fee each month that  XXXX  has illegally tried to take money from my account and I do n't know how to stop this. I have asked them repeatedly not to honor any electronic transactions from  XXXX  but they continue to honor them and then charge me to correct their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16
Company: ENOVA INTERNATIONAL, INC.
State: AZ
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 discovered that Headway Capital , LLC accessed and reported supplemental information about my to XXXX, and utilized 3 services to do so : XXXX XXXX XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 Headway Capital , LLC initiated a XXXX  report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows Headway Capital LLC, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my XXXX   Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Express Date open : XXXX Acct # XXXX Started the dispute process with XXXX on XXXX/XXXX/XXXX - than again on XXXX/XXXX/XXXX then again on XXXX/XXXX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now XXXX years old acct open : XXXX XXXX, XXXX account was apparently from what the rep in XXXX told me XXXX XXXX, XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in XXXX that no really the account was charged off in XXXX of XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XXXX of this year we are literally already in XXXX almost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together. 

XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company added a collection to my credit report without my knowledge. I called and spoke to someone in their customer service department and they advised that the account was FDCPA violations! 

I request IC verify the following information : 1 - Full original account number 2 - Date original account was opened 3 - Any written and signed agreement between myself & original credit stating that the debt is owed 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first alleged delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me before it was reported to the agency, and so proving that these calls were made during the times governed by FDCPA law. 

If IC is unable to provide the above identifying account information, this account must be deleted from all CRA 's. 

IC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute the validity of the alleged debt. I eventually received this letter dated XX/XX/XXXX although it is reporting on my credit as XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Lending Club Corp
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent them a letter to not call any phone numbers, home, work and cell. 
Now they are calling my employer and leaving detailed message about my debt. 
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Express Date open : XX/XX/XXXXAcct # XXXX**** Started the dispute process with XXXX on XX/XX/XXXX - than again on XX/XX/XXXX then again on XX/XX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now 10 years old acct open : XX/XX/XXXX account was apparently from what the rep in XXXX told me XX/XX/XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in India that no really the account was charged off in XX/XX/XXXX of XX/XX/XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XX/XX/XXXX of this year we are literally already in XX/XX/XXXXalmost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together.
XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: PA
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:
Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX  XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: National Auto Lenders, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received a copy of the contract. This company is also reporting an inaccurate balance

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 2021-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I asked Fifth third bank to investigate certain irregularity regarding a credit card account. 
The Bank replied in a letter ( see attached ). They informed me, that I am " responsible for this account and any payment due ''. 
This would apply if it was my account or a joint account. 
However, the owner of this account is my ex-husband. My name is shown as 'User ''. ( see attached printout of the Bank 's internal document ). 

Just a small detail : The owner re-opened this account ( XXXX XXXX ) after years of inactivity, he did not name me as authorized user. The Bank did not send me a card for this account. 

Authorized user - is someone who is approved to use the credit card, but is not responsible for the credit card balance. 

So, the Senior Vice President of the bank ( he signed the letter ) is holding me responsible for something he simply can not. And he should know it. 

This account was provided to the credit agencies, which drastically decreased my credit score, because the owner of the account failed to make payments.

Because of the drop in my credit score, Fifth Third Bank drastically reduced my credit limit on my own credit card, even though I always keep low balance, have no late payment and always pay more than the minimum monthly payment.

My credit score before the Bank falsely reported this account to the credit reporting agencies, was : XXXX : XXXX XXXX : XXXX XXXX : XXXX. 
Now my score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: IL
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 accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Consumer Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person ( s ) has been contacting my daughter and saying their is a court matter that I need to address. I tried calling the number today with the " case '' number and I was given no information without offering sensitive information like my birthdate and social security number. The lady " XXXX XXXX '' said I called yesterday and said I wasn't me and said I was a liar. No such event happened. I would like whoever this is to please stop contacting my family.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-13
Company: Resurgent Capital Services L.P.
State: SC
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 filed a complaint against this company a few weeks ago and they responded stating that the information thats being reported on my credit was inaccurate and that they would be requesting to have it removed ; however, that information is still being reported on my credit and its causing my score to drastically drop. I need this fixed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Thaxton Investment Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi my name is XXXX XXXX in XX/XX/2019 I received a check in the mail from Covington Credit that was cashable upon signing for {$560.00} to be paid back in 8 month installments of {$90.00}. with payments to start XX/XX/2019. I later got a call from South Carolina wanting to know if I had cashed the check. 
Within two weeks I got a letter from a office in XXXX, Ga. confirming the account. 
( XXXX ) Since that time I have attempted to PAYOFF this account. To date I have paid {$580.00} I am told I still owe {$220.00} Intrest. This is abusive. I want to pay it off without these excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 discovered that American Web Loan accessed and reported supplemental information about me to TransUnion, and utilized 2 services to do so : XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX XXXX, AZ, and is showing I have a property tax bill of {$2400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2018 XXXX XXXX XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 2 inquiries, each as : Supplement Public Records ; and Supplement Consumer Credit. 
3 ) These inquiries shows XXXX XXXX XXXX, accessing my data from XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of both these instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.

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 2017-11-13
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am contacted the CFB regarding XXXX XXXX XXXX, FTC file # XXXX. Company was sent 3 dispute letters by me. XXXX never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX & another again on XX/XX/XXXX. Both statements provided by XXXX were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like XXXX who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from Victoria 's Secret/Comenity Bank! I have been asking for a proper debt validation that company has failed to provide. Instead, XXXX lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!

Company response to consumer: Closed with explanation