BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my husband and I went into forbearance due to COVID related issues. My husband stopped working so that he could stay home with my oldest child when he wasnt able to go to school. In XXXX of XXXX we came out of the forbearance and started a load modification process with the lender. We have a VA loan with freedom mortgage as our loan servicer. We were approved for a loan modification pending three trial payments of a fixed amount. At the end of this trial period I received a letter stating that we had not been approved for the load modification because we had not made all our payments on time. We in fact, did make all our payments on time, and now, month to month we keep getting a run around on what is happening next with our loan. Every month when I call into speak with someone regarding the monthly payment, or the loan modification, I sit on hold for nearly an hour at a time and wait for the representative to read through all the notes, to then escalate the problem to someone else. This has been on-going since XXXX XXXX, as I started making my trial payments XXXX XXXX, XXXX. Ever since then, no one has any idea what is going on with my loan, and it just keeps getting escalated. The reason this is really becoming an issue is that we are now trying to refinance our home with a new lender, but we are stuck because we have to have made 6 payments after doing a loan modification and it seems like we cant even get into one.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-08-04
Company: Ascendium Education Group
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXXeaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: IL
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 DIDNT INVESTIGATE XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY EQUIFAX CREDIT REPORT # XXXX. MY PROOF IS A COPY OF DEED FROM XXXX COUNTY COURT HOUSE, MY NAME IS NO WHERE ON THIS DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/2021 I sent a money order Account number XXXX in the amount of {$500.00} for full satisfaction of the promissory note for Navy federal it was sent along with a Accord and satisfaction letter detailing exactly what I was trying to do it clearly and conspicuously Stated please be aware if this money order is accepted/cashed this is the new agreement and contract and will be without recourse for all parties once this payment is accepted navy federal promissory note for XXXX XXXX XXXX IS TERMINATED WITHOUT RECOURSE it also stated the codes and definition of accord and satisfaction so that it would be clear as to what was written on the money order navy federal willing and knowingly accepted and cashed the instrument and therefore agreed to this agreement. 
Please refer to these case law to have a full understanding of the liability that navy federal has to uphold for this agreement.

UCC 3-603, UCC 3-311 , UCC 3-419, UCC 3-205. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX So. XXXX XXXX, XXXX ( XXXX ) )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft.

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 2019-10-22
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to make a payment on the Caliber home app. It was down all Friday that was the day I got paid ( XX/XX/XXXX ) I have never been more than 30 days late on my mortgage but it was a rough XXXX this year. I forgot that I my payment did not go through and remembered on the XXXX that I needed to still pay my mortgage. I made a one time debit cardPayment which was made on that day .On my card it shows that I made a payment to caliber home loans on XXXX of XXXX. Caliber shows that I didnt get to them until the first Because it was on a Sunday After hours. I paid a XXXX dollar fee to have it credited to my account that same day. I talk to XXXX from caliber home loans which she did not really want to hear anything I had to say other than the fact that it didnt get to them until the first. I told her if their app was working then I wouldnt have this problem. And I wouldve never paid the XXXX dollar fee to have it deposited that same day. I called them and tried to settle it with caliber home loans XXXX had nothing to say other than they are not taking it off. Thats not fair, they show that I was logged on my account on XX/XX/XXXX trying to make a payment. I should have been shown some type of understanding and been able to get that 30 day late charge removed. I have never been more than 30 days late ever. I will be looking to switch my loan with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX at Ace Check Cashing a cashier 's check from a online job offer in the amount of XXXX after 30 min of varification was as hand back to and she said I can't cash this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a FirstUSA credit card for a very long time. Somehow in XXXX or XXXX XXXX, Chase took over and issued my credit card statement without giving me a notice. I have never received a chase credit card and the customer service claimed that after Chase and FirstUSA merged, they tried to send me a card but was returned. Chase charged me interest about $ 50- {$60.00} a month from XXXX XXXX until today. In XXXX XXXX, I sent out {$1000.00} payment so my balance reduced to {$3300.00} in XXXX. After this XXXX statement, I did NOT receive any account statements. Instead, Chase sent me a letter saying that I authorized them to deduct $ 100 monthly out of my XXXX Bank account from XXXX XXXX. I do NOT recall that I have ever given such authorization and Chase bank refused to provide any form or proof. Moreover, after the allegedly end month of the authorization in XXXX, Chase continuously cease $ XXXX {$60.00} a month without giving me any statement or notification. I found out about this in XXXX XXXX and I stop XXXX Bank from making any further payment. Chase bank customer service team start calling me on Saturday morning and keep sending me mails about the returned payment, but still did NOT provide any statements or authorization form that I requested long ago. 

Chase failed to notify me that they were taking over FirstUSA 's credit card business. 
Chase claimed that they could not mail me the card because they do not have my address, but they can send me all the debt collection related mail to the same address without any problems. 
Chase failed to prove that I have authorized payment between XXXX XXXX. 
Chase failed to provide account statement and failed to notify me the remaining amount of my debt, which cost me additional interest over these year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
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:
Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Finance ) TRUIST DEALER SERVICES ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/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 2017-01-25
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been trying for at least 12 years to enroll in online account access to my savings account with Navy Federal Credit Union. I have called on many occasions day after day month after month year after year and been told because I filed bankruptcy I have lost my privileges to access my account online. This bankruptcy happened over 12 years ago it is not even in my credit anymore but some how Navy Federal Credit Union has my account flagged to never allow me to have online account access. I never heard of being punished for life for a bankruptcy that happened many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: MN
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 following credit inquiry listed on my Equifax credit report is fraudulent, unauthorized and not my credit inquiry : XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TexCap Financial, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My former Lender " TexCap Financial '' sold my account to " XXXX XXXX ''. They sent me a packet to switch over the lien holder to XXXX XXXX and that i would be making my car payments to them because they now have my account. 

I have been receiving countless phone calls saying that I am almost a year behind on my payments to TexCap Financial. I explained to the customer service rep that XXXX has my account and I have not received anything saying that the account was switched back to TexCap.

TexCap is saying that they have escalated my account for repossession unless i pay the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXXt XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # 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 2022-07-26
Company: CORELOGIC INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
According to CoreLogic Credco/CoreLogic website : https : //www.corelogic.com/support/credco-consumer-assistance/ it states the following : " How can I obtain a copy of my Credco Consumer Report? 
If you would like to obtain a copy of your Credco consumer report, please contact Credcos consumer relations department indicating that you would like a copy of your consumer report. 

By calling us at : ( XXXX ) XXXX. Our customer service representatives are available Monday through Friday from XXXX to XXXX PST to assist you or By mail to : Credco Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please be sure to include your first, middle and last name, Social Security number, current address, date of birth and signature on your request. 

To safeguard your personal information, we will need to verify your identity. See How Credco Verifies Your Identify section below which outlines the necessary documents for us to process your request for a copy of your consumer report. '' However when I called the number and requested my report I was told that I could not get the report because they are a software company. The representative stated that she could look me up to see if they had any information on file. She was able to locate a report from 2014. I asked the representative if she could provide me with my report that CoreLogic had on file. She said she could not do that. She stated that if someone pulled my report they would get current credit information and not the information from 2014. I told her I would like to see what they have and make sure the information provided was correct. Again she told me this was not possible to get my report from you. The Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate and fraudulent financial information that can affect their ability to get a loan or rent an apartment. Under the act, furnishers of information to credit reporting agencies ( CRA ) are legally obligated to provide accurate information and to investigate and correct any disputed information. The Furnisher Rule also holds any furnisher of informationeven those who only occasionally report informationaccountable to certain standards.

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 2021-11-26
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX who is submitting this CFPB complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX and according to FCRA XXXX XXXX. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I don't know why this is showing on my credit report. I have no knowledge of this collection.

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 2022-01-24
Company: EQUIFAX, 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: XOOM CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My computer was hacked and a transaction was attempted from a service by the name of Xoom. I dont have a Xoom account but they are associated with XXXX XXXX. I was notified of a potential fraudulent. Payment in my name. I responded to the email immediately and told the fraud dept of Xoom that I did not have an account, I did not make a transfer, and I know no one in XXXX. They assured me the transaction would be stopped and no further harm would take place. Now I am being harnessed by Xoom collections for charges that dont belong to me. I sent all of the documentation backing up everything I said. They said the payment matched my previous history. What previous history I asked. I do not have a Xoom account and have never sent money to XXXX. They persist I. Harassing me via emails and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened up a PNC account specifically so I could use XXXX. Well when I entered my banking info in, the website said that PNC no longer allows its customers to do transactions with XXXX. Why? Please allow the access of using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: HYUNDAI CAPITAL AMERICA
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I just bought a XXXX XXXX. Hyundai Motor finance is the one financing my car. I was signed up for auto payments they started out right but in XXXX they took out 2 payments one XX/XX/XXXX and one XX/XX/XXXX each one was for XXXX. They overdrafted me in my banking account. So on XXXX I called them and told them what they did. Talk to XXXX at that time at XXXX he was going to send me a refund check of XXXX it would take 3 business days to make check and up 7 days for mail to get to me. XX/XX/XXXX talked to XXXX to make sure the guy I talked to before did what he said she said that she would ask for refund cause the guy XXXX didn't send it in. she said it would takes 14 days to get to me. XX/XX/XXXX called to get update XXXX said that the refund had not been issued yet but i could have the extra payment they took out put on my XXXX payment I said ok we can do that. She told me that it would be credit to my XXXX payment by XXXX. Never happened called up there again talk to XXXX XXXX she said that the credit never went thru and she would push it thru. XXXX I called back up there talked to XXXX she said that the payment will be posted by XX/XX/XXXX. Never happened today I called up talk to XXXX a supervisor he said they are really behind and that he would get it posted to my account as soon as possible. I told him that my payment is due by XX/XX/XXXX what happens if y'all dont get my payment posted by then. He said well you have a 10 grace period before you start having to pay late fees. I said I'm sorry sir but I'm not paying no late fees cause y'all already my payment but want post it correctly. I am tired of being lied to and not having my issue fix this has been going on for a month now. I would like this issue fix asap on Hyundai side

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