BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing an account that is reporting on my credit report with  XXXX . The account is   XXXX   XXXX   I have paid this account in full over 4 years ago. The company has since went out of business so I do not know how   XXXX   is verifing this information that is reporting is correct. I feel   XXXX   is not doing a proper investigation as I have disputed this numerous times.   XXXX   has finally deleted it off my report but   XXXX   is still verifiying that this is reporting correctly. This item should be deleted off my report like it was with experian credit reporting agency. I paid this bill in FULL. Having this incorrect information reporting is affecting me in obtaining substantial credit as it is affecting my score in a negative way.

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 2017-06-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Due to identity theft I had to lock my credit at all three major credit reporting companies. Equifax charges {$5.00} to lock your account and an additional {$5.00} to unlock it every time you want to allow someone accesses to your credit.     Their poorly designed web page charged me 4 times. It is nearly impossible to get a phone number with a human but when I did they had me follow a cumbersome refund process designed to frustrate consumers and give up. They admitted they had a record of the charges but still refused to issue the refund unless I went through the process.     This could have been avoided if there are no fees. There should not be a fee to unlock your credit. Locking your credit is a good way to protect against fraud. Different states have different rules regarding these fees and the federal government should step in to have a uniform no fee system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: BANKERS HEALTHCARE GROUP LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Breach of signed contract. 
BHG " partnered '' with a seperate bank to mange our loan; did not inform us in writing that this transfer/partnership was occurring. Contract states that line of credit will not be reported to credit bureau ( s ). The partner bank reported to the credit bureau ( s ) breaching our contract signed with BHG. BHG readily admitted this was a breach of contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took the Covid-19 related forebearance because my workplace was closed and I couldnt make payments. Since the forebearance ended Ive tried to communicate with my lender to do a loan modification to bring my mortgage current but they refuse to communicate with me. Ive sent all my documents 7 times but I keep getting letters saying they dont have my documents and no one will talk to me except to say they need my documents and they are threatening foreclosure but no one will talk to me or help me. They are asking for documents signed by my ex spouse that I have been divorced from for 25 years for XXXX XXXX reasons and he signed a quit claim deed in our divorce and I have no idea where he is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Good Afternoon, I 've done a lot of reading about a car loan I co-signed for. I 've and the owner of the car in question to get out of this loan by doing a co-signer released. Capital One bank has refused to work with me at all. The primary who owns the car has moved away to another state and is no longer reachable and another party wants to take over for me on the loan since I have nothing to do with the car anymore. Capital one Bank will not even work at all, Not even offering a refi to have this loan setup for the real owners of the car. I feel like they want to do everything possible to destroy my credit which is already down 200 points. I hope you can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I got a notification from XXXX, through XXXXXXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your 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 2021-05-17
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX erroneously charged me an amount after instructing me NOT to pay it. They then sent the debt to a collection agency. I have a chat transcript with XXXX instructing me not to pay the amount. 

I opened a dispute with AFNI ( the collection agency XXXX and provided documentation. I have paid this amount in full to avoid credit complications and await a refund from the collection agency. 

In the meantime, this error is now damaging my credit. This is the result of XXXX 's error and I need it removed from my credit. I'd also like a refund from XXXX or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apparently this company purchased this debt, did n't inform me and put it on my credit. It has been removed from other companies  3 separate t imes now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A couple of months ago around the beginning of XXXX I opened an account with a {$30.00} deposit with fifth third Bank. Within 2 weeks I tried to log in and they invalidated my login credentials. I called to find out the reason and I was told that I needed to verify my information at a physical branch. I informed them that I am not able to go to a branch as they are not accessible from where my location is. After that they sent me a letter stating that they would close my account down in 15 days if I did not go to verify my information so I decided to wait and let the account close so I can retrieve my {$30.00} deposit. It is almost a month since that letter was sent and I have not received any form of communication or update about my deposit from this Bank. I have called them multiple times and have been hung up on or put on hold for so long that the phone system automatically hangs up my call. I do not want to have anything to do with this bank as I had not had a chance to use an account I've had open for multiple months. I just want my money back, they told me they were going to get me my money back and they have not as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I contacted Freedom Mortgage because my husband and I had found ourselves in a financial hardship due to a tax debt that we owed to the government. As of XX/XX/XXXX, our loan with Freedom Mortgage was completely current and not in default in any way. We were advised to apply for loss mitigation. On XX/XX/XXXX, we sent in our first loss mitigation application. On XX/XX/XXXX, we were notified via USPS letter, that our application had been received by Freedom Mortgage and was facially complete. On XX/XX/XXXX, a single point of contact was assigned to our account by Freedom Mortgage. On XX/XX/XXXX, we were notified via USPS letter, that our application had been approved for a FHA Home Affordable Modification Program. We were told by Freedom Mortgage that we should no longer make our contractual payment if we wanted to participate in the 4 month trial period payment plan. If we made our trial payments in the months that they were due for the duration of the trial period, then our loan would be permanently modified. We made our first trial period payment in XX/XX/XXXX and made subsequent payments for XXXX and XXXX. On XX/XX/XXXX, Freedom Mortgage sent us a letter informing us that our application for loss mitigation had been denied because our loan did not meet FHA seasoning requirements. When we originally applied for loss mitigation in XXXX, Freedom Mortgage knew but chose not to disclose, that our loan did not meet FHA seasoning requirements. They fraudulently approved us for a loan modification program even though they knew we were not eligible for the program. They processed 3 of our 4 trial period payments. Our loan is now in default and we are behind over {$8000.00}. Freedom Mortgage representative, XXXX, communicated to me on a recorded call that this was an error made by the under writers. She also confirmed that Freedom Mortgage, its representatives and under writers are fully aware of FHA seasoning requirements and are also aware of a clients loan history prior to an application for loss mitigation. She agreed that Freedom Mortgage approved us for a program that we did not qualify for. Freedom Mortgage has been unwilling to resolve this matter for my husband and I. We started this process with good credit and a current loan and now our credit is marred and our loan is in default.

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 2023-04-04
Company: EQUIFAX, INC.
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:
Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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 2022-09-14
Company: Brown and Joseph, Ltd
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My complaint is against Brown & Joseph LLC dba XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter and called my phone to collect {$3900.00}. They have the year make model of my car, my name, my address, and my telephone number. They are collecting for an 'insurance claim ' that on XX/XX/2022 I side swiped a car and sped off leaving another car to repair damages on XXXX & XXXX XXXX '', two avenues that do not intersect, in XXXX XXXX XXXX CA. The date they claim, XX/XX/XXXX is impossible for me to be at the scene because I was in XXXX, MD at that time and my car had been parked for a two week period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Cash app froze my funds ( It was only around {$200.00} but it's the principle ) due to a fraud company sending them a notice that I had a XXXX  XXXX. I have no ties to that company so I went on line and got my dissolved papers for my old business that we paid off our bills and closed during the pandemic. We no longer have the business and all cash app had to do was go to the secretary of states office online and search my name. 



The least cash app could do was send the funds back to the people who sent the money to my cash app. 



I can't even close my cash app account, they want let you close the account if you have funds in it and they want let you cash the funds out? 

Cash app is so messed up. 



When I first got the Cash app, there were several fraudulent charges on my bank account for {$5.00}? I had to get a stop payment reversal through my bank. The bank said that they didn't know how Cash app was able to charge my bank account that wasn't even linked to the Cash app card?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an Amazon store card with Synchrony bank for years and have never missed a payment. In XXXX I had two payments that were returned within a 24 hour time frame. Firstly, I did not realize I setup 2 payments of both {$500.00} and {$600.00}. Second XXXX XXXX XXXX used to allow them to go thru and I would just transfer the money in my account to cover low or insufficient funds. This time I am not sure why they did not allow it. The day the payments were returned ( which was in 24 hours ) I immediately issued a {$700.00} payment to post to my account and also incurred a {$40.00} late fee which I paid. I have had a lot of fraud activity lately and do not keep much money in my checking for this reason. On XX/XX/13 I went to make a purchase and the card was declined. When I checked online it said my account was closed, so when I called synchrony they advised it was because of these two returned payments. This is really night right as I accidentally had this returned payment happen one time in how many years. I didnt realize I scheduled double payments and because I keep low funds in my checking due to fraud I have lost an account that I frequently use and always pay on time. This is not good treatment of a long time customer with excellent paying history.

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 2018-05-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be  entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the  FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in  this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

South Carolina Student : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX  closed all of its schools, I have a private loan in the amount of  XXXX  which Navient has in debt collections.
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School :   XXXX   XXXX   XXXX   Lender : NAVIENT CREDIT FINANCE CORP Disbursement Date  XX/XX/2007  Original Principal {$9400.00} I have not transferred any credits from   XXXX   and should be eligible for forgiveness. I attended less then a semester and was mislead to believe this student advantage loan could be consolidated with federal. They used misleading tactics and have been closed due to these false, predatory and misleading tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Lockhart, Morris & Montgomery Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a phone call at XXXX on my home phone. I was awakened, as my family was still on vacation, but I missed the call. When I called back at XXXX to inquire about it, I was asked to hold, then hung up on. I still have no idea - WRITTEN or otherwise- as to what the issue is. I filed with the company 's local XXXX ( with whom they are a member I believe ), and received a canned response from their legal unit 2x telling me to contact the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use   XXXX   XXXX   that makes my money available to me right after working those hours. Problem is that my bank is n't sending info or updating it as fast as they need to be.

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 2022-09-14
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:
As I logged into XXXX to check for inaccuracies on my credit report on XX/XX/XXXX, I noticed that I have an inquiry on my Equifax for profile for XXXX XXXX XXXX XXXX XXXX. This inquiry took place XX/XX/XXXX. I submitted a dispute yesterday with Equifax and they did not remove the inquiry. I have an extended fraud alert. I am also a victim of fraud which is why I have an extended fraud alert on my credit profile. The dispute results came back as " updated '' instead of " deleted ''. The inquiry was not made by myself and should be removed. When I notice anything on my profile that needs to be disputed, it is done immediately. For Equifax to come back within hours and say this inquiry came back verified and accurate knowing I am a victim of fraud confuses me. I do not feel a thorough investigation has be done. This inquiry was not made by me and it pains me that after disputing the item it is only being updated and not removed. I do not own a XXXX XXXX account nor did I make an inquiry. The same way I found that I had an account with XXXX but I never owned an account with XXXX. The same way someone tried to open an account with XXXX XXXX XXXX but I already have an account with them. XXXX XXXX XXXX reached out to me saying someone is attempting to open an account. How they submitted my social security number to them and forms of ID. This attempt was made in Washington last year. The same way someone made purchases with my debit card for a XXXX flight that I didn't take. I was at home. I am not sure how this is being done but what I can assure you of is that I constantly monitor my credit profile and whether or not the inaccurate item is seen right away, I always take steps to address any item I know to be false and not submitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed

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