BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: DISCOVER BANK
State: CT
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: MI
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:
Attached is a FTC Report for IDENTITY THEFT for inquiries I did not authorize anyone to use my personal information nor did they have a permissible purpose 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I tried to resolve an issue with Hyundai XXXX about the incorrect late payments posted on 3 credit agencies I had a loan and I always paid on time - 0 late payment during Covid I called and applied for a forberance and I was told that my payment - during XXXX where not going to be reported as late. 
instead XXXX reported me late for 3 times I m now pulling a loan for a mortgage and those XXXX late payments are affecting my ability to get a good deal with the Lender XX/XX/2022 I received a letter from Hyundai with the verbiage '' the disputed information is accurate as reported " XX/XX/2022 after i re-disputed I have got the same letter XXXX XXXX after a 3rd dispute I have got the same letter they are not doing what they said- they are harming my credit after I was promised three times from them - i called 3 times for the forberance - that i could stay assured NO Late payment were going to be reported as late. 

In 6 year of the life of the loan not 1 late payment- this is on all the 3 agencies credit report what they are doing is wrong and unfair- they need to correct and keep up to their promise!! 

Thank you for reading so far. 

Sincerely XXXX 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 2022-07-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an express department store card with Comenity Bank for years, never had a problem. I have been trying to log in and pay my account for almost a month and their system has been down for updates and not allowing anyone to make payments. When you call them, their office is temporarily closed. I cant speak to a live person, I have been unable to email them, but I have contacted them via XXXX and XXXX. I keep getting the same responses. That it will be fixed by XX/XX/XXXX and it hasnt. Now theyre telling me due to the high volume of people trying to make payments, I cant log on!? I have excellent credit, have never been late and Im very upset this will have a negative impact on my credit bureau. I am desperate for help, as are MANY others on social media if you look up Comenity bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
- I submitted a request on XX/XX/14 for myself and for my wife. 
- My wife 's record was deleted that same week - During the week of XX/XX/14, the Creditor said they have deleted/ closed the account on their end and send weekly updates to the credit bureaus. 
- I have called TransUnion several times since XX/XX/14 to understand the specific state in-which my dispute is in ; so that I can better understand if it is in queue, being reviewed, etc. 
- TransUnion has repeatedly said only that is in-progress and shared the usual time it takes to resolve a case ( 30 days ).

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 2015-10-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. 
This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. 
BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. 
The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. 
I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.

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 2016-08-15
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold our Mortgage to Freedom Mortgage, and did not notify us. All payments submitted to XXXX XXXX have not been transferred to Freedom Mortgage, nor have they been returned to us. This is the XXXX time the mortgage has passed different hands within the last 12 months. The XXXX XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to XXXX, for the months of : XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XX/XX/XXXX ( Rejected by XXXX ) XXXX, the XXXX lender, had sent us notification that our mortgage would be changing hands to XXXX, to the correct mailing address. However, later no correspondence was received from XXXX XXXX or Freedom Mortgage. 

We found out of this change, after our payment was rejected by XXXX XXXX, and I viewed my credit report to find Freedom Mortgage. XXXX XXXX is now claiming they do not have our payment for XX/XX/XXXX, however, we have bank transaction records stating the XX/XX/XXXX payment was accepted by XXXX XXXX, and never returned back to us.

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: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I received a visa vanilla card in XX/XX/XXXX for {$500.00}. I went to use the card in XX/XX/XXXX to pay a hotel bill. When I called on the balance was {$5.00}. I never used the card there were several charges on the card totally {$490.00}. I opened a complaint with visa in XX/XX/XXXX case # XXXX visa card # XXXX. I requested that I be reimbursed for the unauthorized charges and have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
4 days ago, my fianc went to take the tax money we got out of our account. Some how the teller messed up, my fianc went back in to try again and the teller put a hold on our account making it look like we were {$880.00} thousand in debt. I was told it will take 24-48 hours to investigate. Its been 4 days, they will not tell us XXXX whats going on or why they did it. This caused our financial situation to get worse. I hate the fact they can do this to us and other people. This action should be illegal. We just want the money the IRS issued so we can close this account.

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 2016-12-17
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on a refinance with Freedom Mortgage on XXXX XXXX, 2016. On XXXX XXXX I was told to cancel auto payments and to NOT make payments for XXXX and XXXX. However the autopayment had already gone through on XXXX XXXX. I called customer service to cancel the autopayments and was told we would be refunded the {$1100.00} payment made in error two weeks after closing. It is XXXX XXXX, no refund check and no one at Freedom Mortgage is willing to help me figure out what happened to our money. I called customer service who said they have no notes about a refund, but opened a ticket and I never heard back. I called the closing agent, XXXX XXXX XXXX, and they said they had no notes about a refund but sent an email to Freedom Mortgage. Never heard back. I called the loan processor, XXXX XXXX. She talked to her supervisor, XXXX, and said the payment made in error was included in the payoff. But they told me to call servicing who said a refund of {$1800.00}, a combination of the surplus payment and escrow money was due to us and to call back if we do n't receive it by XXXX/XXXX/16. No check. I called servicing again today and the agent could n't help me and transferred me to the Escalation department. The Escalation department told me again the XXXX XXXX payment was taken from our principal and we were not due a refund. I asked what is the {$1800.00}. She investigated with her supervisor but in the end could not give a response, and transferred me to a voicemail. I finally hung up. To say I am frustrated with Freedom Mortgage is an understatement. I ca n't find a single person who is willing to sit for 2 minutes to really understand what happened to our money. I just looked on my closing statement and the amount to be paid off was {$170000.00} with an escrow credit of {$610.00}. The payoff posted on my account is XXXX. If I subtract {$170000.00} from {$170000.00} I get {$610.00}. The XXXX XXXX payment for {$1100.00} was NOT included in the payoff. The closing statement was based upon the fact that we would not be paying XXXX and XXXX so the XXXX XXXX payment was not considered when the loan was paid off.

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 2016-04-19
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I submitted a refinance with Freedom Mortgage XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX in XXXX 2016 to convert my primary mortgage from an FHA to VA loan. Freedom Mortgage sent an appraiser to appraise my home and charged me for the appraisal and they charged numerous additional fees for the refinance process. I was told by Freedom Mortgage it would take approximately two weeks to get everything processed. I heard nothing from Freedom Mortgage after two weeks and began trying to contact them. I called the assigned rep but could get no response. On XXXX XXXX I did contact XXXX XXXX, Assistant VP of Sales and he requested a credit card number and a XXXX -- XXXX of which I provided. XXXX XXXX then charged additional fees and immediately became unresponsive. 

I managed to contact a XXXX XXXX XXXX at Freedom Mortgage on XXXX XXXX and he stated he 'd get the process resolved. After numerous calls and messages, XXXX XXXX referred me back to XXXX XXXX -- who has remained unreachable. I have requested Freedom Mortgage complete the process and/or refund all the fees collected so I can get this processed elsewhere but Freedom Mortgage has refused to do either. I believe Freedom Mortgage has charged fees in excess of the VA allowance and has no intention of processing the refinance or returning the money.

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 2021-08-24
Company: Experian Information Solutions Inc.
State: MO
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:
As of XX/XX/2021 XXXX XXXX XXXX was showing last report date of XX/XX/2021. 

On XX/XX/2021 there was a update on XXXX XXXX and Experian showing an update Date of XX/XX/2021 and an incorrect balance. 

If contacted both Credit reporting bureaus and disputed this information but it still hasnt been updated. AsXXXX result I was denied credit.

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 2020-12-10
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I apply for tanf in the state of GA on XX/XX/2020 on the XXXX I was approved. I was told ill be getting a card in the mail in 7 to 10 it been 12 day and no card. I have lost my card insurance due to not being able to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
This bank is crazy has my XXXX account as deceased as if Im dead and Im alive when I call them they refuse to hekl and update my information sold off to a funeral home crazy refuse to help me with covid 19 I need a settlement thjs is hurting my credit badly

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 2021-08-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The estate account was not safeguarded by Fifth Third Bank and XXXX dollars was fraudulent transferred by its lack of oversight. In the dispute process one check was credited for XXXX dollars..The remaining XXXX dollars of the estate account was denied. This denial is based on Fifth Third Banks assertion that the claim must be filed within 30 days which is in direct conflict with Ohio Law as cited in Muller V. Muller. 162 Ohio App. 3d698 ( 2005 ). From the XXXX dollars the Fifth Third Bank has recovered XXXX dollars of the estate account from other banks according to the police department information. I have not been notified that the XXXX dollars has been deposited back into the estate account. This is a problem. Where is the management and notification from Fifth Third Bank and where is the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERE SOME ANOMALY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly 100 % inaccurate on my credit. 
This is hurting my credit score which is very important to me so I could prove my credit worthiness if I will apply some things. I know you will understand me in this situation because you are a customer too. Right? So I demand you to do an investigation on these accounts I listed here because this is very important to me. so please .... conduct this investigation and I hope that I could hear some good news after this. 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 2022-07-08
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: Reporting company used your report improperly

Complaint:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Originally I applied for a loan modification on my loan due to a job loss of my husband, around XX/XX/XXXX. While in the process of the loan modification, the pandemic came and I than also had job loss for a period of time and income loss which changed the loan modification status and put me into a forbearance because SPS ( Select Portfolio Servicing, Inc. ( acct # XXXX ) ) said that they can't review under both circumstance. In Late XXXX I was put in a Forbearance according to my new situation and due to the income loss i was given some time until my situation changed. on XX/XX/XXXX after my forbearance period ended I called in to see what options I had to re-start my payment but was not given only one option and that was to submit a RAM application. In the process I was asked to submit many documents, which I did provide. They had many questions that need to be answered, which I did answered but the questions came at different times and by the time a received a correspondence for request of document/explanation every time I had to update another document because the date had expired. After a long back and forth I was already in XXXX of XXXX. At this time unfortunately I had a another change in my situation that had to brought forth, because my husband stopped receiving unemployment and I no longer can document that income and they told me that they have to put be in another forbearance. In XX/XX/XXXX at the end of the forbearance I requested a streamline modification but again they said I was not eligible and then I submitted another RAM application on XX/XX/XXXX. It is XX/XX/XXXX and SPS still is asking for more documents. The recent request concerned me because it is not in my control and according to the customer services person the requested document is needed and with out it the application will be incomplete. The request was for a pay stub that has a begin and end date, which my pay stub does not provide. I work for the State of NJ and they only have an end date on the stub and I have submitted my bi-weekly pay-stubs. I'm not sure after speaking to the customer service rep today XX/XX/XXXX what exactly they need as a supporting document as they are not able to change the pay-stub. I am very concerned about my loan and am overwhelmed by the requests. I feel like SPS is just buying time to add more interest to the end of my account. I am looking for a way to settle this in a timely manner as I'm I working mom of XXXX with a spouse with various health problems. This process has impacted me negatively, it has cost me time and mental exhaustion to the point where I feel i'm running it circles. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX SPS- ACCT # XXXX

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