BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process to refinance with Freedom Mortgage back in XXXX of 2021. I submitted all documentation that was required of me immediately. I would have to make calls frequently to try and obtain the status of my refinance. I finally found out in XXXX that my loan had just been ( supposedly ) sent to the underwriter then, which it had not. 
I have been assigned XXXX different liaisons, and have a hard time getting any feedback, and it seems when I do get a callback, I am given incorrect information. 
I have received numerous calls where I have been asked to submit documentation that has already been submitted, been told my loan has been approved, been told my loan has been escalated, and asking to re-pull my credit report for the final approval. 
Then I start receiving phone calls from other mortgage companies, telling me my loan wasn't approved and maybe they can help me. 
How does another mortgage company know my loan wasn't approved before me? And just hours after my credit report was pulled again. 
I have been put through XXXX on this refinance, I have been lied to over and over and over again, been given incorrect information on a regular basis. How is this a good business practice, how can such a large company still be in business? 
I am quite upset to say the least on this matter. I feel someone needs to be held accountable for these actions. 
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 2016-01-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a student loan from XXXX XXXX XXXX University being collected by ECSI. I have paid on the loan since 2008. I went through unemployment and then entered school full time. I am in school at XXXX XXXX University for a XXXX in XXXX XXXX. 
ECSI has received all of the deferment paperwork for in school status. They contact me every other month at least to tell me I am due for payments. Then they send me emails that I am in deferment. The website states I am in deferment but it also shows I have payments due. 
I am trying to buy a house and I looked at my credit tracker. ECSI sent me an email in late XXXX that I am in deferment from XXXX to XXXX Then they reported me 30 days late to the credit bureau on my account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Northern Alliance Management, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
About two weeks ago got a call from a lady looking for my brother-in-law who lives in ohio. I took her number and stated I would relay it when I talked to him. A week later she called again, I told her I had not discussed it with him yet but would. I then started getting auto ( robot ) calls to take care of this debt. The debt is not mine, I am on a no call list and am not responsible for my brother-in-laws debts. The calls are coming from XXXX, Illinois the number on caller ID is ( XXXX ) XXXX, when I discussed it with the people who would only provide the company name of Northern Alliance, they told me they did n't like the tone of my voice and may just keep it on the IT list to call. I do talk loud XXXX but is that a reason to use such tactics against people who they know do not owe the debt? So not only are they breaking the XXXX no-call laws ( because they know the debt is n't mine ) they are harassing me in attempts that I will strong-arm my brother-in-law. What they are doing is not only wrong, I feel it is illegal and morally wrong. I want the calls to stop, I have excellent credit ( at or over XXXX ) but that does n't make me responsible for debts made by my relatives much less those by marriage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-07-09
Company: Experian Information Solutions Inc.
State: NC
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:
Someone stole my identity and opened this account and I need it removed, I filed a report with Identitytheft.gov

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 2018-01-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL alleged debt amount : XXXX This company refuses to acknowledge my request by certified mail letters of validation with contract signed by me and proof of their license. I have sent letters twice and have n't received anything other than updated alleged debt 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 explanation
Consumer complaint received 2022-03-14
Company: National Enterprise Systems, Inc.
State: TX
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 got a letter today writing to me about my debt. 
Reference # : XXXX. I have no knowledge of this debt and didnt receive the information to verify this debt is mine.

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 2022-03-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I don't really like how this page is designed, they don't give me many options. My complaint is specifically with Wells Fargo, I just discovered that they are stealing money from me, not only through credit but also through debit. 
A few days ago, I owed XXXX dollars, I paid XXXX, I only owed XXXX, because now I have a debt of XXXX. I also had problems with some airlines, unsuccessfully requesting their help, and nothing. 
I want a complete review of my account and if this matter is not with you then I ask you to direct me to the appropriate.

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 2015-05-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i called TD Auto to try to have a payment ( XXXX XXXX, 2015 ) skipped for a hardship. I am having XXXX on Wednesday XXXX/XXXX/15 on my XXXX and have to apply for state XXXX. I was denied the extension because i could not provide a date that i would have the funds from XXXX to make a payment. I just found out yesterday that i was having XXXX on my XXXX. I see the doctor again on Tuesday, XXXX/XXXX/15 and will give him the XXXX paperwork to complete, then my employer has to complete it. After my employer completes the paperwork it is sent to the state and the will process it " within a few weeks ''. My car payment is due on XXXX/XXXX/15 and i was asking to skip that payment until my XXXX starts. Unless i can provide TD auto with an exact date I am going to be paid XXXX the payment can not be skipped. If i find out that the XXXX will be paid on a certain date after the payment is due I can not skip the payment becaus the account is wo n't be current. this makes no sense to me. I have to have the XXXX to skip the car payment? i am asking to skip the month while waiting on XXXX. They offer hardships but do not actually provide it to the customers. I have paid them ontime for over XXXX years now when i need some help i am denied over the phone and they cant even provide me with a writen notice of the denial. I told them that i can provide documentation that i will be out of work from my doctor but all they care about is when will my next income be coming in. I was on hold for over XXXX minutes after talking to XXXX XXXX at TD Auto to be told i dont qualify. XXXX years of ontime payments and XXXX does not qualify someone to have a payment skipped for a hardship, i dont what would qualify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never informed of the debt being collected. This agency did not make any attempt to contact me regarding this issue of owed medical bills. The agency just added it as an alert on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am experiencing continuing service problems with PayPal. I have filed several complaints previously about the same XXXX thing, they have responded, apologized and now are doing exactly the same. Adding money to my VERIFIED PAYPAL ACCOUNT IN GOOD STANDING, from a CONFIRMED AND ACTIVE PREVIOUSLY USED BANK ACCOUNT is being blocked without explanation and for no reason. I tried numerous times with the same XXXX error message as several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian regarding XXXX XXXX XXXX. They said that the company said that these were legitimate charges so they stay. I have never been to an emergency room or a doctor that I didn't have medical insurance with a small deductible! There is a new one that has shown up that was opened in XXXX of 2020 and I seriously have not been to a hospital in years! I I do not understand how they are just putting these on my credit. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from 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 2021-08-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry 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 2022-07-13
Company: EQUIFAX, INC.
State: GA
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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any itrms or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: Account status incorrect

Complaint:
It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization.

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Empowerment Ventures, LLC
State: IN
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My email to RushCard sums it up : I have called and called today about the transactions in XXXX of my cards. My name is XXXX XXXX card ending in XXXX # # # and XXXX # # # both had transfers and I received confirmation via text and email plus online but talking to your reps they do n't all of a sudden show my missing money! 

I 'm very upset about this because. Have been hung up on twice, told that it did n't make sense as if you guys do n't have a glitch on your end. My card went from a successful transfer to showing an {$0.00} bal on card ending in XXXX # # # and my other card XXXX # # # does n't show the {$100.00} added with a new balance of {$100.00} it only shows the {$5.00}. 

I asked to escalate this and I asked for a form and was told I can yell, scream and cry but it 's nothing they show so what am I disputing then hung up on! Please review the calls all XXXX of them today. 

My cell is XXXX # # - # # # # and I have sent my complaint the the attorney general as well as the XXXX and unclerush XXXX XXXX via XXXX publicly about the errors and treatment today over the phone. 

See all attachments as I have also uploaded the screen shots on your web as confirmation that this transferred showed over and over that it was completed and successful. The rep said she did n't see any activity on my card ending in # # XXXX since XXXX XXXX which ca n't be right being that I did a transfer from my card XXXX this morning to my other card and XXXX I tried to transfer it back hours and hours later all said it did via text online and email but yet I do n't have my money it 's not reflecting and has disappeared and no one seems to even see what I 've gotten as alerts about my account! 

Where is my money!!!!!!??????? Call and email me today See attached documents and also see online uploads I sent that message last week and I still have n't gotten any replies or phone calls and my cell phone is off, my utility bill is up for disconnect and my rent have been file eviction on because I can not access my account and I 'm missing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: AMA Advisors, LLC.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I was contacted several times by " XXXX XXXX XXXX XXXX '', to refinance my house mortgage loan for a lower rate. After speaking with them I decided to take the offer and refinanced my mortgage loan. 

They had promised to give me a lower rate and affirmed that everything was valid. I closed on the refinance on XXXX XX/XX/2020 with a principal balance of {$270000.00}. I was told that I had a mortgage with XXXX XXXX XXXX. 

So I've been paying my mortgage for 2 years and 2 months now. Previously my monthly payment was {$1700.00} after a while XXXX raised my payment to {$2000.00} a month after they had fabricated some stories. They took possession of my previous escrow account and never reimbursed it to me, then claim that they had to charge me extra to catch up. 

Now after 2 years they decided to sell my mortgage to another company called " XXXX XXXX XXXX ''. for {$260000.00} And this new mortgage company now charge me for all the closing costs and claim that I owe them XXXX. So after more than 2 years my mortgage barly went down because XXXX has been taking all my payments for interested and fraud and have taking advantage of me. 

I'm complaining for XXXX to return to me all the money that they've taken from me unfairly, that they remove all the fees that they're trying to charge me and that I refinance with a decent mortgage company. I want them to return most if not all the payments that was supposed to go to the principal of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation