BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I contacted Hud on XX/XX/XXXX regarding the upcoming foreclosure date of XX/XX/XXXX for XXXX XXXX XXXX XXXX VAXXXX. I wanted to know what options were available to me. They advised me to contact Loan Depot to inquire about a XXXX Forbearance plan in which I did. XXXX XXXX of the Loss Mitigation department contacted me and after a few days of phone tag we spoke on the phone and he advised me what documents were needed. I emailed all documents to the Loss Mitigation department on XX/XX/XXXX, XXXX, XXXX and XXXX. I received a letter in the mail stating that all documents had been received and I would hear something in 30 days. I was made to believe all foreclosure proceedings had been stopped but to my surprise they auctioned my house on XX/XX/XXXX to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX ph # XXXX. I went to my house on XX/XX/XXXX and there was a No Trespassing note attached to the door and the locks had been changed. I contacted the number on the note and spoke with XXXX we setup a date to get my stuff out of the house and he advised me this would be the only time I could get my belongings. I have not received an eviction notice, I can not get my mail, I was kicked out on XXXX XXXX. Loan Depot has sent me nothing and this has been a nightmare from XXXX. I would like to see Loan Depot and the purchaser or my property be punished for the handling of this sale. Loan Depot Never offered me a Loan Modification, or a Forbearance Plan, they just sold my house from under me. The realtor that purchased my house has violated my rights right from the start. Please help. You may contact me at XXXX, and my contact number is XXXX. I look forward to hearing from you soon. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted experian on Friday XX/XX/2022 regarding my fico scores. On the experian website, my account allows me to see all 3 credit bureau scores. For both Experian and XXXX, there is listed 2 negative score factors that are false. 1. Serious delinquency or derogatory indicator on credit report. and 2. Insufficient number of accounts that are currently paid as agreed. 

I spoke with 4 representatives who all concluded upon reviewing my credit report, that there are No Delinquencies or derogatory indicators. They stated that all my accounts are in good standing. They could not understand why my score is being affected by this when there is no evidence in my report. I was transferred from membership department to dispute department to membership department and not one agent could fix the issue or help me. 

It appears that the issues are not with my credit report but with the software that both experian and XXXX are utilizing and there are no solutions to my issue.

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 2017-02-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi, My name is XXXX. I have a credit card with American Express ( XXXX ) In the month of XX/XX/XXXX my monthly statements were not received, and American Express reported my account delinquent. I contacted them and they agreed to remove the delinquency out as they had undeliverable address and the mail was returned to them. They faxed me credit verification release form which proves that the delinquency was corrected to never late. I keep faxing the letter to credit bureaus they remove the delinquency, but with the next month credit reporting cycle AmEx reports delinquency again. When I call them they assure me that it was removed and re-fax the letter but every month they keep reporting me late. Because of that issue I get my credit cards limits slashed, and even closed. I even got a car with a high interest rate because of bad credit. I keep calling the bureaus they tell me AmEx is the one furnishing the information, I call AmEx they assure me it was removed. Please help me with this matter, as I am stuck in between the credit bureaus and AmEx. 
Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Beginning on   X/X/17  a  nd two other sub sequent times, Bank of America prepared loan documents requesting my husband sign documents when he was not on the mortgage application. When I brought the error to Bank of America 's attention, I was told that this was their practice and that my husband needed to sign on the note. When I continued to question this practice, I was told that this was correct and I needed to sign loan documents with my husband on the note even though he was not a borrower. After pushing back, I was told they would correct the documents ; however, af ter 2 other at tempts to sign loan documents, Bank of America failed to properly correct the loan documents. Afte r 3 faile d attempts to sign loan documents, with the incorrect borrowers being named, I decided to cancel the transaction. The stress in dealing with this caused me to miss 3 days from work. In speaking with a supervisor 's supervisor,  XXXX   XXXX , on   XX/XX/XXXX  I  was told that they would refund my appraisal fee for the inconvenience caused. T  oday,  XX/XX/XXXX , I was told they will not.
I wonder how many other borr  owers Bank of America has misguided into signing incorrect loan documents.

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 2020-03-04
Company: Bread Financial Holdings, Inc.
State: NV
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:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I was contacted by credit bureaus regarding cell phone accounts that was now on my credit report. I contacted XXXX XXXX  XXXX, XXXX, and XXXX  about the fraud. XXXX  and XXXX   both concluded that the accounts are fraudulent. XXXX  denied having any accounts in my name after giving them all of my correct information. XX/XX/XXXX I recieved a letter through XXXX XXXX saying that a XXXX  account was reported to them in the amount of {$3800.00} I contacted them and explained the fraud on my account that day. I also contacted XXXX  the same day and they had me mail out the fraud packet to them and also XXXX  recieved the same information via email XXXX  did. XXXX  originally removed this from my credit report on XX/XX/XXXX. Next XX/XX/XXXXsubmitted the account to Diversified ADJ SVC. I again made the complaint again to XXXX  and submitted my information to XX/XX/XXXXagain. I filed the police report and the FTC report between XX/XX/XXXX. I didn't do it sooner because I thought it was taken care of. Diversified did remove it from one credit reporting agency but not all of them. I called XXXX again to see why they didn't do it to all of the credit bureaus and they said because it was not fraudulent. I then contacted the XXXX XX/XX/XXXX and XXXX  executive office  contacted me to look at what was going on. I again sent her " XXXX '' most of the same information I sent XXXX the first three times and they again said it was not fraud and that I do not have any fraud reports on my credit. I told them to look again and she said they can not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my information and open an XXXX account, they receive the funds. My XXXX account was close do to this problem of balance check and Identity Theft. I do not know how this happen I explain this to the XXXX at the time I realize there was a problem with my account. I have dispute this account with Midland Funding several times and they refuse to move this off my credit report. I have open an Identity Theft Report the number is XXXX with XXXX County. The Midland Funding account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender is violation of RESPA and the clients right to counsel - the lender was request for legal challenges - the lender has yet to respond to our request of QWR sent XX/XX/XXXX, 5-day letters sent on XX/XX/XXXX and XX/XX/XXXX - A loss mitt package was submitted to the lender on XX/XX/XXXX and they still refuse to postpone sale for the review and response needed to our requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Source Receivables Management LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Aargon Agency, Inc.
State: HI
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:
Since AARAGON AGENCY INC has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me.

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 2017-05-30
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On  XXXX   XXXX ,  2017 I init iated the lifting of my credit report freeze on all   XXXX   agencies . ( See att ached credit card transaction summary ).  XXXX  charged me {$5.00} on  XXXX . Experian charged me {$5.00} on  XXXX .     But Equifax charged me {$5.00} five separate times on  X/XX/17    for lifting the freeze one time.     A simple error which Equifax refused to address over the phone and insisted that I mail a copy of my credit card bill to their office in  XXXX . In other words, I have to waste my time, calling, copying, mailing, etc. in order to get Equifax to correct an obvious error for which they offered no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: Kriya Capital, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX  was opened in the amount of {$400.00} and also XXXX XXXX XXXX also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2015-07-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
HSBC has a derogatory account listed on my credit report. The account remarks state " paid after charge off to third party collections. '' I called HSBC to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I was recently part of a class action lawsuit with XXXX XXXX XXXX, and they are admitting that they were at fault and contributed to me filling a bankruptcy do to repossessed vehicle, Im asking XXXX  XXXX to contact Experian to have Bankruptcy removed that was filled in 2012, 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 2022-02-28
Company: FIRST HORIZON BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX  allows people to cash checks when the person on id dosent match the person present ( if they even ask for ID ) { XXXX XXXX, XXXX, Tn }. They even let people cash checks without a bank account. I closed my account XX/XX/21, they are still cashing checks with my name on it. 

XXXX XXXX  allows people to accept loans when that person is not enrolled for that current semester. Then when I try to apply for class, I am told my credits exceeds the amount of finacial aid given, my pale grant will not cover the classes. in the meanwhile collecting student loan debt for semesters i am not enrolled. 

I have outstanding student loan debt from University of XXXX and i have never attended that college.They also allow people to accept loans when they are not enrolled in the current semester. 

XXXX XXXX XXXX  cashes these checks. Espesically the one in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an American Express XXXX credit card that offered XXXX points after spending {$3000.00} within 3 months. I confirmed that I was eligible for the offer via telephone and than applied and was approved online. 
Yesterday I secure chatted with Amex to find out the status of my points. I was told that I was not eligible to receive bonus points because I had had a XXXX credit card over 2 years before. I was not aware of this exception and it was never mentioned to me when I first called Amex to check eligibility. I would like Amex to honor the offer and award me the XXXX XXXX bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX XXXX i recived a phone call and aletter in the mail by a debt collector name of : in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called XXXX.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: SUNRISE CREDIT SERVICES, INC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since SUNRISE CREDIT SERVICE has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXX when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXXl when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also said the debts are open as of XX/XX/2022 which is complete 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