BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have {$450.00} of late fees on our account that are not valid. I have tried for over a month to resolve this issue but NO ONE will respond to me. I called customer service, they said it needed to be in writing, so I have sent XXXX emails with no response. I have google searched loan officers, sent XXXX emails ( they stated someone would call, no call has come ). I found someone on XXXX, again no response. I have provided documentation on the fact that the late fees are bogus and we have not had any late payments since XXXX of 2016. In XXXX of 2016 we received a foreclosure notice because apparently I missed paying the cents on our bill, instead of paying the {$1200.00} and some change, I only paid the {$1200.00}. I spoke with a gal and she stated I needed to pay {$150.00} and some change to get caught up with late fees, which I paid with our XXXX payment, but separately. Since then NONE of my payments have been late. Therefore I do not owe any additional late fees. I provided a list of my payments to Freedom Mortgage noting that none of them were late since I got caught up in XXXX. Their refusal to contact me only confirms that the late fees are not valid.

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: EQUIFAX, INC.
State: MD
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:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXX Balance : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: National Credit Adjusters, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
NCA - National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), representing a fake company XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

It should be noted that the Scammer is a client of yours, registered as XXXX XXXX XXXX with committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX Bank account in the total amount of XXXX USD utilizing your services. 

Scammers Account 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 2016-10-29
Company: Moria Development, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were contacted by an agent from Moria Development DBA Peoples Mortgage, and gave false information about a loan product, specifically a XXXX loan. The agent expressed that she was an experienced loan officer and knew what she was doing. She screwed up our loan process because she waited until the week of closing to tell us that she did not know how to process a XXXX loan. She made me pay for an appraisal for the property, as well as a XXXX consultant, and she did not know what she was doing. There was false advertisement, lies during the process, and she was the cause of us missing out on a great home as a first time home buyer. XXXX XXXX of Peoples Mortgage who is Moria Development , Inc. should be held responsible for her falsely representing products.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I switched from a loan company to it 's parent company. I chose to pay over double what I needed to working on paying off my loan early. Every month I have sent in my payment with a note saying to put the extra amount to principle. For over 16 months, this has never happened. They make two monthly payments instead of putting money to principle. I have talked to multiple managers, but can not solve this unbelievably easy issue. Also, when I do call in to have it corrected, it has at times, taken up to 3 weeks for them to do this. This adds up to months of interest I am paying, when I should not. I do not think I should have to call in every month to correct such a simple problem, but they for some reason can not correct 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 2016-01-15
Company: Avant Credit Corporation
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The interest rate on loan with Avant Credit was not disclosed at time of application/loan approval. I applied for a loan on or about XXXX of 2015, the terms such as high interest rate were not disclosed at time of application, Avant rep ( s ) claim otherwise. This might be due to a technical issue, my computer screen was not working properly at the time. I have since purchased a new PC. They are charging an extremely high rate of 35.94 %, this was not disclosed at the time or did not appear on my screen. Their rep, XXXX XXXX, defended the rate and claimed to have screen shots showing what appeared on my end, There is no way he has screen shots showing what was on my computer at time of application/approval. He can only show what they supposedly sent over on their end. Complaints were filed with XXXX XXXX XXXX XXXX, XXXX in Illinois, FDIC, XXXX in Illinois. The matter is still unresolved, XXXX XXXX as well as other Avant reps were advised payments on loan will cease until rate is lowered, they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had a M and I credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and XXXX. I have made numerous attempts with both M & I which is now BMO and the credit bureaus. XXXX is the only one reporting accurate information. I have asked BMO to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.

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 2017-11-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card 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 continue to receive pre legal notifications from this company XXXX XXXX XXXX XXXX, XXXX. This is the second attempt to make a monthly payment settlement with them but they do not want to make a deal. I continue to receive this threatening letters used for intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.

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 2022-10-03
Company: Experian Information Solutions Inc.
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:
I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accont from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}

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 2016-03-16
Company: Financial Business and Consumer Solutions.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XXXX/XXXX/2015, My bank at that time, Fifth Third of XXXX XXXX Ohio accepted a fraudulent check that they knew was fraudulent because it was flagged immediately and cashed by someone using my identity in another state. On that date. I immediately went to my Fifth Third branch and told them that they should not accept any check and to verify the signature before releasing any funds. I WAS VERY SPECIFIC IN THAT I TOLD THEM TO NOT TO RELEASE ANY OF MY FUNDS AT ALL WITHOUT MY EXPRESS APPROVAL IN PERSON. They already knew it was a fraudulent check, but cashed it anyway, as they had called me into the branch. They claimed that I had authorized release of funds from this person in another state and accused me of money laundering and that they were closing my account and not giving me my money back, which was well over {$2700.00}. Even though I had been a customer for over 14 years ; They cleared me of wrong doing, they refused to give me any funds back and refused to do business with me. I had insurance specifically for this through the bank. No signature verification was done, and I also had daily limits on my ATM withdrawals prior to this- so this had to have been done by a teller. I asked them to call the police or the FBI, which they refused to do. I told them that I intended to do so, and they threatened my, telling me that the burden of proof would show that it was my fault, and that I would go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX allowed 3 fraudulent account to be opened in my name, 1 Auto loan, account number XXXX and 2 credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but XXXX XXXX had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from XXXX XXXX. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by XXXX XXXX. I have never doe business with XXXX XXXX, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.

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 2022-06-18
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX reported not my inquires to them of inquires that were not mine Two from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX. 

On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On Experian reported not my inquires XXXX XXXX XX/XX/XXXX, and Experian XXXX XXXX XX/XX/XXXX 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX, Bankruptcy XXXX XXXXXXXX, Bankruptcy XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 2022-06-18
Company: Experian Information Solutions Inc.
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:
XXXX XXXX allowed 3 fraudulent account to be opened in my name, 1 Auto loan, account number XXXX and 2 credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but XXXX XXXX had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from XXXX XXXX. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by XXXX XXXX. I have never doe business with XXXX XXXX, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.

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 2022-06-18
Company: EQUIFAX, INC.
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:
XXXX XXXX allowed 3 fraudulent account to be opened in my name, 1 Auto loan, account number XXXX and 2 credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but XXXX XXXX had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from XXXX XXXX. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by XXXX XXXX. I have never doe business with XXXX XXXX, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was given incorrect information by Fifth Third Bank 's Homeowners Assistance Specialist, XXXX XXXX. I advised XXXX on XXXX/XXXX/15 that I secured employment and would start working after the first of the year. He advised me to reapply for Hardship assistance after I had 30 days of year to date income at my new job. Proof of XXXX ( fore mentioned ) instruction has been attached for review. I mailed the application back after having 23 days of year to date income. I received a letter from Fifth Third Bank informing me that due to the pending foreclosure sale date, there was not sufficient time to review my hardship application. I had been unaware of the foreclosure prior to receiving the letter. Unfortunately following XXXX direction in waiting to reapply for assistance resulted in the foreclosure of my home. 
Fifth Third later advised that my account was approved to pursue foreclosure on XXXX/XXXX/15 ; however, after communicating with XXXX several time via phone and email between XXXX/XXXX/15 through XXXX/XXXX/15 ; he failed to inform me of the foreclosure.

Company response to consumer: Closed with explanation