BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
On XX/XX/2022 I sent an XXXX dispute letters to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage sent me a monthly statement on XXXX/XXXX/XXXX stating that my payment was {$1500.00}. My payment had always been {$1100.00}. I contacted the Vice-President, XXXX XXXX who indicated that they did an escrow analysis on my account and that they realized they had n't been collecting enough of a payment. Strangely though, there was no increase in my taxes or insurance. As a matter of fact, my taxes went DOWN. Employee error is the reason my payment has gone up. There have been numerous employee errors on my accounts with Freedom Mortgage and I am growing so tired of it. 
I received NO notification of this until I got very upset in the email to XXXX XXXX and stated that I was never informed of this, and that this notification was required by the mortgage company. All they did at that point was email me their analysis that I had never been notified of prior to this date. 
On top of everything else, I sent in my regular mortgage payment for the XXXX XXXX, XXXX payment and received a notice of a " late payment '' since they refused to apply my payment. 
This is extremely concerning to me as many problems have occurred since I have had my mortgages with Freedom Mortgage. Since I have had my accounts with Freedom Mortgage, here are some issues I have had with them : 1 ) About a year and a half ago, I received a refund from Freedom Mortgage. I spent this on home improvement. A few months later, I was informed that Freedom Mortgage was then that amount short and needed to recover it and increase my payments. 
2 ) Freedom Mortgage neglected to pay my homeowner insurance bill. This was approximately a year and a half ago as well. My homeowners insurance actually ceased until I requested that Freedom fix the situation. 
3 ) I would gladly pay this amount if it was due to an increase in my taxes or my insurance, but as I stated previously, nothing was increased and actually went down. 

On top of everything else going wrong, I have received statements that say I owe more than XXXX payment and I had to email XXXX XXXX to figure out why they were trying to collect for more than XXXX payment. There is too much to go into detail, however, right now the main situation is my payment going up so high because of employees of Freedom Mortgage not doing their jobs correctly. A homeowner/holder of a mortgage should not be the person responsible when these employees do n't do what they are supposed to. 
XXXX XXXX stopped emailing me when I informed her via email that I had not received the appropriate documentation from Freedom Mortgage regarding any change/increase in my payments. I informed her that a mortgage company is required to notify me of any changes in writing and that this was not done. I did not hear from her or receive the assistance I needed after that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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:
When I paid off the credit card and closed the account. The creditor agreed to have ( forgive or excused as payment, paid off ). instead it has Charged off as bad debt-purchased by another lender.

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 2019-11-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Adult son should have been a trustee. On the account with Alley bank. They put him as co owner and he took everything out of my account and Ally bank takes no responsibility for my son closing the account. Nor take responsibility for notifying me. The say sense account was never fixed from Co owner to just a trustee that its ok for him to take all my money. Then close out my 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 explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: NE
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:
On XX/XX/2022 I sent an two dispute letters to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
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:
These companies are in clear violation of the law. Pursuant 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
When I paid off the credit card and closed the account. The creditor agreed to have ( forgive or excused as payment, paid off ). instead it has Charged off as bad debt-purchased by another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
The Credit Bureaus never did a proper " Investigation '' according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This did not occur. 

Also, they violated my rights even further. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the Open Date is inaccurate, Balance amount is inaccurate, Last reported date is not accurate, Last active date is inaccurate, and Last date of payment? 

This is evidence that this account from XXXX XXXX - XXXX needs to be deleted! 

I sent in proof that I was never late and XXXX XXXX never check their account system nor used the proper date to claim I was late. 

So I have some questions for the Credit Bureaus... 

1. How did you verify that I was late? 
2. Did you call them? 
3. What date was I late? 
4. According to the FCRA, I need the supporting documents ( 2nd request ) They also violated the law according to : 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written authorization. I did NOT give anyone written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I visited my local US bank branch on XXXX XXXX XXXX XXXX, Il XXXX to open an IRA Money Market to rollover 401k distribution money from my previous employer. I met with XXXX XXXX. I told XXXX I was expecting an additional check from the same 401K plan in a few days. She proceeded to open the IRA Money Market and deposited the original amount to the account. When I went home I checked the account # XXXX and the money was in my account in the amount of {$2000.00}. 
When I finally received the additional check in the amount of {$220.00} I went back to the bank on XX/XX/XXXX and met with XXXX XXXX. Both 401k checks were from the same employer, XXXX XXXX and were made payable to US Bank XXXX XXXX XXXX XXXX IRA. 
XXXX called her operations department to receive instructions on how to process this additional deposit. She gave me a receipt for the amount and took the check. 
As of XX/XX/XXXX the check is NOT shown in my 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 explanation
Consumer complaint received 2022-02-21
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had contact the office by phone more than XXXX time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be XXXX by them XXXX more time? 

We are all having a difficult time with This XXXX pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband made our mortgage payment through his credit union on XX/XX/2021. This payment was successfully made and we received a statement from freedom mortgage on XX/XX/XXXX showing that it was applied to the account and all that was owed was for XXXX. Three days later we received a letter on our door saying that the payment was reversed and the account was 30 days past due for the month of XXXX. 

Upon receiving this notice we contacted our credit union as well as freedom mortgage to confirm that the payment was in fact made. We provided statements from not only the credit union but the federal reserve showing that freedom mortgage did in fact receive the funds of {$1800.00}. 

In an ongoing battle for the past four months, weve provided multiple account statements from XXXX to XXXX showing the funds were never reversed. 

Weve spoken to countless representatives whove claimed the research showed a reversed payment and have refused to review the documents provided from the credit union nor the federal reserve. 

In turn, freedom mortgage has refused to research internally where our mortgage funds have been applied to. Weve had to double pay our mortgage payments, took a false late payment hit to our credit and continue to receive no help regarding this 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 2020-05-04
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I 've been banking with Fifth Third for most of my adult life. It 's been a tumultuous relationship at best, but I 've always stayed because I had automatic deposits and withdrawals setup. On Saturday, I made a deposit to my checking account via a check that I had received. I very rarely deal with checks anymore because so many things have become automated and/or done on the internet. The check was from XXXX refunding me fees erroneously collected when I had my mortgage setup on the equity accelerator program. The deposit ticket clearly stated the funds would post to my account on XXXX. According to the transaction history in my bank account the funds did clear and post on the XXXX. Today when I went to check my balance I noticed an overdraft fee for {$74.00} dated XXXX which was causing my account to have a negative balance. I immediately called 5/3rd and spoke to a bank teller named XXXX who became exasperated with me and transferred me to XXXX the bank manager. He blamed the problem on me and intimated that I should have known better since I went to the bank on a Saturday. Most banks do n't have full hours like 5/3rd does on weekends. They wo n't refund the fee and they ca n't explain why my transactional history does n't jive with what they are telling me verbally. I 'm very upset. 5/3rd has continuously made money from fees by pyramiding or assessing overdraft charges when I 've had money in my account pending or otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous and Associates is a law firm supposedly hired by XXXX XXXX. I formerly had a month to month agreement with XXXX XXXX. This gym location closed during covid. 

I never heard of XXXX XXXX and never signed an agreement. i never received notification of the gym closure. 

I requested a copy of the alleged contract from the debt collector but they refuse to provide and request I pay {$180.00}. Acct. XXXX XXXX XXXX Meanwhile, they reported this debt to the credit bureaus causing damage to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a MoneyLion checking account in XXXX, 2019 in response to their Pave the Wage advertisement. 
I installed their mobile app and clicked " opt in '' on the in-app advertisement for the Pave the Wage promotion. 
I direct-deposited over {$3000.00} per month in XXXX, XXXX, and XXXX. 

I subsequently emailed their customer support twice, once in XXXX and once in XXXX, to confirm that I had successfully opted in to the promotion. XXXX and then XXXX responded, but the answers were robotic and unhelpful - same form response when I replied to confirm. 
I later opened another support request in XXXX. Their support ticket system had changed. XXXX confirmed that I had opted into the Pave the Wage promotion but that I was " not on the list. '' She said " I am escalating this to have them add you to the list. '' I wrote in a week or two later, and XXXX XXXX explained that there is " nothing needed on [ my ] end '' and that the " issue has been escalated for review and to be added on the list once confirmed. '' He or she said " there is still some processing for review on this feature. '' I opened more tickets over the following weeks and months, but customer support reps XXXX and XXXX were unable to locate my account. I used the same email every time. XXXX did not answer, but explained that they had " higher volume than normal '' and told me to call. After half an hour on hold, I gave up. 

I am owed {$590.00} per the terms of the Pave the Wage promotion but have received nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions it lists me as an authorized user, and this account belongs to an ex-spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
HSBC has not removed this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
DITECH is offering a misleading refinance proposal. They are offering to convert the 18 years and 11 months left on my current mortgage to a 30 year fixed at a slightly higher interest rate. They claim {$19000.00} in savings over 10 years but will actually increase total costs by {$66000.00}. I believe they are hoping consumers wo n't actually do the math!

Company response to consumer: Closed with explanation