BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We contacted our lender XXXX Mortgage in XX/XX/XXXX and told them I had been injured with a XXXX and was removed from the State of XXXX. Husband had lost his job and insurance due to having to leave a job in XXXX to come save my life in XXXX. XXXX XXXX XXXX diagnosed XXXX XXXX XXXX, due to my XXXX there was nothing else that they could do for me. On XX/XX/XXXX my husband brought me to XXXX XXXX where I could receive emergency treatment for Brain injury, neck injury and starvation. We were approved by the VA for a special circumstance approval for short sale. However they refused to provide the needed documentation in order to complete the sale. Instead they sold our loan to Freedom Mortgage Company and set the Auction for XX/XX/XXXX. We had another short sale buyer but could not get the needed and required documents from them either after repeated calls from us and our real estate agent. Our buyers were there for the auction however no one should up. I called them and was told it had been postponed for the short sale they would not cooperate in providing the documents. Auction rescheduled for XX/XX/XXXX. 
Legal notifications do not required the correct spelling of our names in the State of XXXX just the correct number. However to get the VA insured loan our documentation had to be complete and correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I rented a car XX/XX/2022, and checked on the Capita

l One Platinum Mastercard website guide to benefits PDF that I have rental car insurance, therefore I declined additional insurance.

A hit and run occurred on the rental, and I called to file a claim with Capital One ; they state they ended rental car coverage. 

The supervisor I spoke to XX/XX/2022 @ XXXX stated this is a problem that continues to occur. I am not the first person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: MoneyLion Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MoneyLion had fraudulently reported on my consumer report and have messed up my credit. They consistently break the cease and desist Ive sent them and continue to report negatively. Ive never given them prior consent to communicate with me and they have broken many of the laws with the FDCPA. And continue to do so by saying I owe a debt of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a debt on my credit report with XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX last year and removed, XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I reported that is was fraudulent activity on my Paypal Smart connect card and asked to unlink the card from the Paypal account. They refused to do so and as a result there were a lot of unauthorized charges on 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 non-monetary relief
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: CO
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:
The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

****THIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE XXXX CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XX/XX/XXXX REMOVE 2. XXXX  XXXX Inquiry from XX/XX/XXXX2019 REMOVE 3. XXXX XXXX XXXX XX/XX/2019 These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Early Warning Services, LLC
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Early Warning LLC, XXXX, XXXX, AZ XXXX ; phone # XXXX Early Warning has my name in their database and they are reporting me to all XXXX Banks and informing them of some issue that was resolved by my Chapter XXXX Bankruptcy with XXXX In XX/XX/XXXX, XXXX had placed my name with Early Warning, XXXX without my knowledge as all of my bank accounts were closed because of this XXXX issue. It 's XX/XX/XXXX and still I ca n't even open a new bank account here in Washington state or any other state because of this " Early Warning '' against me. All debts and issues with XXXX has been resolved already with my Chapter XXXX Bankruptcy filed XX/XX/XXXX and XXXX XX/XX/XXXX. I have notified XXXX and XXXX and they have complied with XXXX Bankruptcy XXXX order ; however they failed to remove my name with " Early Warning LLC '' that is preventing me from opening my new Bank Accounts. XXXX failed to comply with XXXX Bankruptcy XXXX. XXXX complied with " XXXX '' out all debts with XXXX, I do n't owe XXXX anything all debts were XXXX via Chapter XXXX Bankruptcy Case # XXXX. XXXX needs to follow through and comply with XXXX Bankruptcy Law, if they XXXX all debts with XXXX then they should remove my name from " Early Warning '' because everything is XXXX and done. " Early Warning '' should be notified of my Chapter XXXX and that XXXX has XXXX all debts and issues and that my name should be removed from their database as XXXX, so that I can open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax refuses to give me my credit report after I've sent them numerous copies of my Social Security Card and Bank Statements from XXXX XXXX, and other banking institutions where I maintain my financial accounts. I have fraud alerts turned on and according to 15 USC 1681j ( b ), they should send me my credit report upon request free of charge. They won't even send me my annual free credit report. 

Title 15 USC 1681j ( b ) Free disclosure after adverse notice to consumer Each consumer reporting agency that maintains a file on a consumer shall make all disclosures pursuant to section 1681g of this title without charge to the consumer if, not later than 60 days after receipt by such consumer of a notification pursuant to section 1681m of this title, or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer 's credit rating may be or has been adversely affected, the consumer makes a request under section 1681g of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my XXXX report. I request it is deleted immediately. The debt is from Commonwealth Financial for {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: DE
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:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: General Motors Financial Company, Inc.
State: OH
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:
I turned in an auto lease in late XXXX. In XXXX I was contacted by phone by GM Financial stating I owed approximately {$420.00} as part of the disposition fee. I was surprised because at no time in over a year after I turned it in, did I receive any correspondence informing me that the account was still open and that I owed this fee. However I was offered an arrangement to pay half to close the account. I did, payment was sent and received. I have the letter from GM Financial and cancelled check for {$210.00}, the agreed upon amount to pay. 
Having thought the account was closed. I was surprised to receive calls again at work several months later stating that I still owed money. After explaining the agreed upon settlement previously paid, I usually received acknowledgement from the caller that the settlement info was found in my file and they apologized usually saying they would add that to my notes. 
I had not received any calls for a while until sometime during the week of XXXX XX/XX/XXXX, I received another call at work. After the same discussion, the caller said they would talk to their supervisor and get back to me. 
I was never contacted again before I began getting several notices through my credit monitoring services I had derogatory remarks and charge offs added to my credit report from GM Financia for {$210.00}, the amount they said they would waive in XXXX. I want to stress that at no time did I receive any written correspondence or bills, with the exception of the letter stating the agreement to pay half the amount in XXXX. I have always had excellent credit but these remarks and claims of unpaid debt- which are unsubstantiated- have significantly and negatively affected my credit score. 
When contacted, GM Financial said my account was in the process of being closed and to be patient. However, I feel like their way for closing my account was to charge off the other half they said they would waive, which is dropping my credit rating from 'excellent ' to 'good '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was served a summons ( judgement ) from Smith Debnam Narron Drake Saintsing & Myers, LLP on XX/XX/XXXX. Notice of rights was served to me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I sent paperwork to them that was needed. I contacted a law firm and they stated that my amount was different on my " File No '' than what the Judgment Creditor was stating in XXXX of XXXX. The creditor stated I owed over {$28000.00} to XXXX XXXX XXXX. My case as of XX/XX/XXXX stated I owed with interest, since XXXX, in the amount of {$19000.00}. This creditor is in a violation of FDCPA, they are harassing me with the threat to get me to pay and they don't follow through with the execution. They keep harassing me with notice of rights which was served 3 times in one year ( noted above ). Second violation is they want me to pay a higher quote balance than what shows on the court system. I want them to stop contacting me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was a Pro Se litigant and have discovered fraud for the last 8 years on this property. 

This is an unexpected fraudulent 2nd lien assignment from XXXX XXXX XXXX XXXX XXXX, as Trustee for the servicer Bank of America NA under representation XXXX XXXX that I am currently addressing via FTC, Federal Reserve Board. 

For information purposes ; 1.MERS, Bank of America ( BOA ), and XXXX ( Servicer ) have executed an unverifiable assignment on my property and the notary allowed XXXX XXXX to represent Bank of America and MERS on the transaction. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien and must be removed. 

6. PA statue of limitations due apply, if this assignment have any merit. 

I am specifically requesting XXXX XXXX XXXX XXXX XXXX to furnish the following before XX/XX/XXXX : The Trust SEC name ( for verification that the Note & Mortgage was timely deposited into the Trust ). Please Note : The PSA Cut-Off Date was XX/XX/XXXX. 
Pooling and Servicing Agreement / Prospectus ( expiration purposes ) Bill of Sale ( ExXXXX XXXX XXXX documented assignment to MERS to XXXX  ) Chain of Title and its indorsements Authentic Promissory Note Detailed Explanation of the gap between recording XXXX, XXXX and XXXX and XXXX ( see attachments ) Please advise why XXXX never enforced this debt thru foreclosure proceedings and or my credit report under the FDCPA section 807 ( 8 ). 
Please furnish the history of this debt, payments made etc., exact month, day and year of servicing authorization thru chain of delivery and acceptance receipts. 

I have not received a response, however, XXXX XXXX with Bank of America stated via CFPB Portal they need more time to address my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A Qualified Written Request was sent to the loan management company, pursuant to the Real Estate Settlement and Procedures Act, Section 2605 ( e ), via USPS certified mail, on XX/XX/2022. This request has not been responded to so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

****THIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE 3 CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XXXX REMOVE 2. XXXX XXXX XXXX from XXXX REMOVE 3.  XXXX XXXX XXXX XXXX These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA, XXXX XXXX XXXXXXXX XXXX XXXX OH, 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 2022-03-15
Company: EQUIFAX, INC.
State: SC
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, the following accounts listed have violated my rights : - XXXX XXXX Account # : XXXX -US DEPT ED Account XXXX : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX -XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) Account # : XXXX* 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 2016-08-10
Company: KEYCORP
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or around XXXX/XXXX/XXXX i contacted Key Bank to remove myself as an authorized user on a friends credit card account. In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to Key Banks Credit Research team and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval. Key Bank supervisors show no compliance. Key Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
I initiated a transaction through bill pay and paid Capital One two times. Because of this, I contacted the cc on XXXX and asked that my funds be returned to me. I was told on the initial call that it would take 1-2 business days for the trans to be processed. It is now XXXX and I have spent hours on the phone with this company and my transaction is still not in my account. I was given several time tables throughout the process. According to their files, the transaction to return my funds was completed at XXXX on XXXX/XXXX/15. The bank they are transferring the funds to is XXXX Bank. Historically, all transactions appear on the homepage of my internet banking as pending as soon as they arrive at the bank. I have been on a number of conference calls with Capital One and XXXX Bank to confirm there is no transaction for the refund of {$480.00}. Today I spoke with XXXX ( id # XXXX ) who told me he was the top of the line to speak with on the phone. He was unable to transfer me or give my information to his supervisor to have them contact me. He also told me that my bank needed to contact XXXX which is the XXXX party that processes the ACH, because Capital One has done everything they can do on their end and are now washing their hands of responsibility. They gave me information to FAX an escalation letter for complaint but that it is now XXXX responsibility to make sure that I get the funds transferred into my account. While customer service representatives have attempted to be kind, none of them seem to project any sense of urgency ( with the exception of XXXX, who escalated my refund transaction to be processed in the first place after the maximum number of days XXXX. I have been promised a number of times that I would receive a call back from someone and have not received those calls. Capital One has always been helpful in making sure they are accommodating when it comes to them gettting their funds but now that I need my funds, it is no longer their problem.

Company response to consumer: Closed with explanation