BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: Early Warning Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent an inquiry to Early Warning which keeps track of peoples personal bank accounts. This organization tracks every single transaction made in a bank account. They have never disclosed that they are doing this nor did they ask my permission to do so. When I tried to get a freeze they denied me quoting section of the FCPA 603 ( x ) saying they are a special agency and they don't have to follow the FCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home through XXXX XXXX Company based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with First American Title insurance Company based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is XXXX XXXX didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both XXXX XXXX and First American about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from XXXX XXXX which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the 35th day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
I went to XXXX XXXX  shop to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In lat e  XX/XX/XXXX , I applied  for a loan modification wi th Ocwen Mortgage as m y family lost an income. I was behind in payments about 3 months but I offered to pay the amount in full during my modific ation application process. Ocwen advised they would my defaulted payments to the end of my mortgage so no need to pay anything at the time. Each time I applied and followed up with Ocwen, they were " missing '' something. I think the first time they were missing my income verification which I sent to them 3 times. My husband had monthly calls with Ocwen and was not advised of anything being a problem. However, during these calls, Ocwen would advise that my pending application had expired and I had to apply again. I applied 3 t imes and again, they were always missing something when my husband had his monthly call with them. I believe th e 2nd application was missing tax returns which I sent over multiple times. Every time we spoke with Ocwen, they  advised my modification was under review. In   XX/XX/XXXX  , the new owner of my house that was foreclosed on and sold at auction showed up at my  front door. I called Ocwen and asked why we were n't notified that we entered into foreclosure the 20 times we talked with them. They did n't have an answer. I believe they sent a certified letter about  a month before but I never signed for it. My mother, who lives with me and has  XXXX ,  may have signed and k ept the letter but we never did find it even when I had to vacate my mother, mother in law and  XXXX  children. Every time my husband spoke wit h Ocwen, he asked  about foreclosure and he was advised we were NOT being foreclosed on and they would give us plenty of notice. Again, I offered to pay what I owed in arrears b ut Ocwen sugge sted each time that they prefer to add what I owed to the end of the mortgage. Not only did I lose my equity in a house I owned for 13 years but I no longer have an impeccable credit history. Fortunately, I found a landlord willing to take a chance on me and live in a very nice home with my children and mother. In fact, my landlord asked if I would please renew my lease as he wishes all his tenants were like me. I only mention this because I went through such an ord eal with Ocwen and feel like I was blatantly lied to every time I talked to them. The emotional toll this has taken on my family is beyond measurable.    Thank you,    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: KEYCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My child support Master card was closed with out any formal information on the complete purpose to why. 
I contacted the card holder Key customer service and was told. My card was confiscated, only I had no understanding, due to holding my master card in my hands.I was informed that, I had to send a email for verification of my current address. 
The Kansas payment center updated my address yrs ago. Key customer service would not update my personal file. Kansas payment center had to verify the information update to Key, along with my email and certificate mail in my name.

. I was contacted by mail from XXXX explaining from XX/XX/2018 to present my card has been duplicated. The information shows a year 's worth of unauthorized charges from my account after there Cyber system detected a breach from my original card.. I seek reimbursement from all transactions from all unauthorized transactions. 
I also have transactions not reported of my card used for other purpose outside of information detected not from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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 with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I just got an email from this company about how to find my XXXX. They say I will receive an email on XX/XX/XXXX from XXXX, the qualified custodian of my moneyion investment account notifying me of my XXXX. 

I DO NOT HAVE AN INVESTMENT ACCOUNT! I have had this issue with this company before and this is not my first complaint through you. In XX/XX/XXXX I took out a {$500.00} loan. I did default on that loan due to hardship and I had a balance of {$460.00} though on my my credit report it has CLOSED with the balance of {$350.00}. 

XX/XX/XXXX I received some email about liquidation and surplus or deficiency saying my amount due as of then was {$460.00}. It said since I defaulted on the loan MoneyLion directed that my investment account securing the loan held at XXXX be liquidated and paid over to them be applied to the loan balance of {$460.00}. The amount of surplus or deficiency was $ XXXX. The amount of the proceeds of the disposition was {$110.00}. All this information I am taking from emails. 

I have asked this company to close any and all other accounts that opened when I took out the {$500.00} loan in XX/XX/XXXX and they are not listening. I have not used this company or the app for anything other than that {$500.00} so whatever surplus or deficiency or disposition I have nothing to do with. 

I want this investment account closed asap and this company to leave me alone and delete whatever they have of my information. 

I have emailed them and submitted complaints here. On XX/XX/XXXX MoneyLion responded to a complaint I submitted nearly a year before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Two unauthorized hard inquiries from Bank of America ( BOA ) shown in my credit report of XXXX on XX/XX/2022 and XX/XX/2022. I placed the fraud alert immediately on XX/XX/XXXX and filed an identity theft report through FTC. Then, BOA sent me a written letter around XX/XX/XXXX, informing me that they are working on my credit card application, which I have never applied for. I contacted BOA immediately about this but they have no idea what is going on. 
For the unauthorized hard inquiries in XXXX, it had been resolved through XXXX. However, Bank of America never gave me an update even though they promised me that they would investigate this issue. For the XXXX XXXX, I have filed a dispute through XXXX but have not been able to contact BOA because it takes at least 20-30 minutes to put through the call with a real representative.

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 2022-04-02
Company: EQUIFAX, INC.
State: KY
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 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 XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 at XXXXXXXX XXXX ( P.S.T. ) I received an email from Bank of America stating that " you're credit card application has been approved. '' I have one existing credit card ( a Visa card ) with Bank of American but I never at any time requested a second credit card. I phoned Bank of America at XXXX XXXX ( P.S.T. ) on XX/XX/2021, which is when I became aware of the email that they had sent me the previous afternoon. After being transferred multiple times, and staying on the phone waiting for about an hour, they finally cancelled the card and said that I will receive ( in about 45 days ... ) the information that I will need to fill out a police report. 

My complaint is specifically with Bank of America. I believe that Bank of America itself did one or both of the following : 1. They allowed a fraudulent application for a credit card to be processed in my name, while never contacting me or activating safety protocols that would have stopped the process immediately, OR 2. Bank of America, without my consent, knowledge, or authorization opened a second credit card in my name. 

Bottom line, Bank of America 's negligence and failure to exercise due diligence is directly responsible for this happening.

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 2017-06-13
Company: Oracle Financial Group LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Person by the name  of   XXXX   XXXX   sa id he was an  investigator with the county I live in and said my name had come up in an investigation. Did not give the name of the debt collection agency. Called from number (  XXXX  )  XXXX  and told me to call him back at (  XXXX  )  XXXX . The first number is from  XXXX  and the latter number is from  XXXX , FL. This is illegal for debt collectors to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
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:
Macys/Department Stores National Bank furnished information about a closed account to XXXX different reporting agencies, those agencies are XXXX, XXXX, XXXX XXXX XXXX File Report account number XXXX as well as account number XXXX and XXXX. I provided Macys/Department Stores National Bank with 9 Exhibits labeled Exhibits A-Exhibit I to show you the violations of the Fair Debt Collection Practice Act Pursuant to Title 15 USC 1692d 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 2023-04-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paided my mortgage for XX/XX/XXXX and XXXX which total {$3200.00}, for 2 months. they want post the payments to my account. saying that the payment was suspense. I don't know what reason. I have documents to prove my case.

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 2022-04-26
Company: CURO Intermediate Holdings
State: AZ
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 account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX  bankruptcy but yet remains on my report. Ive spoke on the phone over 100 times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had opened an Amazon Store Card which is affiliated with Synchrony Banking. I had paid my balance in full, with a phone payment that went through, which did not reflect on my account until days later. I had thought it did not go through, so I did another payment of online-where I then put the wrong acct number. So the online payment never went through due to my mistake ( so no money was taken out ) but for the phone payment it did go through. My account then showed I double paid, before I knew the online payment adjusted. So I called and asked for a refund for one payment. When I received the refund, my credit account showed I never paid due to the online payment. So then I refunded the check, paid it back. It shows clearly on my bank statement when it was taken out. Now for about 6 months, Amazon sync banking keeps saying to send it statements. Every statement I have sent they keep saying we ca n't see it, it 's black, it 's reversed. ( I am having the bank send these + XXXX XXXX, so I would assume after the 5th statement they 'd see it ) after investigating, they KEEP saying my bank never returned the funds to me. I called my bank, asked them about this refund they talk about, they said I have made a payment and they have never returned anything. My bank has also sent a letterhead statement plus a letter saying the payment has gone through. STILL to this day, the company keeps telling me I 'm okay, while others say I owe back, and I am running in loops. I talk now only to the supervisors. My credit was at 720, now it is to a 570 score. This is ridiculous, I explained the situation multiple times and now they keep telling me I owe them as sync banking says they 're still investigating.

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 monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Account # XXXX Ad XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I Has violated my rights 15 U.S.C. 1681 section 602 A. States I have a 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 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: OH
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:
Equifax has reported two Bankruptcies on my credit report that are dismissed. I have filed a dispute on several occasions stating that dismissed Bankruptcies no longer exist in the eyes of the law, according to the Fair Credit Reporting Act so they must be deleted. In section 1681c, the FCRA mentions nothing about keeping dismissed Bankruptcy information on ones credit report. This has caused me extreme hardship because Equifax has no right to maintain information which the government has deemed nonexistent. If they don't comply, I will be forced to litigate without fail. The Bankruptcies that need to be deleted are dated, XX/XX/XXXX  and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On a statement, American Express set my Due Date as  XX/XX/XXXX  ( Sunday ), From my bank, I initiated Electronic payment on XX/XX/XXXX  ( Thursday ), My Bank processed Electronic Payment on  XX/XX/XXXX  ( Friday ) Bank confirmed in a statement that Electronic Payment has sent on  XX/XX/XXXX  ( Friday ) American Express is saying they are receiving and processing payment everyday from other financial institutes, but still on my statement, they posted payment on XX/XX/XXXX  Tuesday.
<P/>
My Bank is saying they did their job on  XX/XX/XXXX  Electronically, and Amex is saying, they are receiving and processing payment everyday, then why American Express purposely putting Payment due date as  XX/XX/XXXX .
<P/>
American Express has charged me {$38.00} Late Fee and {$130.00} Interest, which both they refused to remove.
<P/>
Its appears that, with Dodd-Frank regulation, Financial Institutions are committed to avoid Traps, which harms consumers and should be avoiding those traps, to make money.
<P/>
While American Express knows that,  XX/XX/XXXX  was Sunday and  XX/XX/XXXX was   XXXX   XXXX   public holiday and most of Financial Institutions in USA do not execute internal transactions on Sunday with each other, American Express is benefiting and making money by setting up this type of traps which negatively impacts consumers. So whomever customer do not raise their voice, would end-up paying Fees and Interest without their wrong doing..

Company response to consumer: Closed with explanation