BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX I was forced to sale my home due to hardship related to divorce. I entered into the loss mitigation process XXXX with an offer, but Freedom Mortgage continually delayed the process, lost documents, and eventually caused XXXX buyers to back out over 5 months. Finally, I received a cash offer, but still it took several months of back and forth to Sell the home. Following the sale of the home XXXX XXXX Freedom Mortgage continued to notify the credit bureaus that I am past due 180 days. This home had multiple offers, would have sold multiple times, and even after it sold I continued to get threatening letters regarding property insurance on a home I no longer owned. Freedom Mortgage has no accountability and their departments lack communication that sets up consumers for failure. 
Their loss mitigation process is not transparent, their customer service department lacks customer service ( Multiple complaints filed with no response ), and they have made no attempt to work with me to resolve this issue. I submitted my complaint to the XXXX with an evidence file that clearly articulates the issue with time stamped evidence, but the response completely avoids the evidence presented and only points out a poorly drafted timeline that omits their continued failures questioned in my complaint.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed a certified dispute letter to Transunion, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Transunion and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date the account was open is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX  to resolve and to find out the correct amount owed and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.

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 2017-01-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have recently pulled my credit reports, due to interest in buying a house. I have noticed that there are XXXX bankruptcies reporting on my credit report, and this is inaccurate information. I have called the bureau to report this information as inaccurate and they told me that the information can not be removed or disputed. I have since wrote the Clerk of Courts, and they responded to me with a letter saying that they have never verified this information given, and they do not verify such information with the credit bureaus.

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 2016-12-10
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I PURCHASED THIS HYUNDAI XX/XX/XXXX AND MADE PAYMENTS FOR 4 YEARS, FOUGHT WITH THE COMPANY THE ENTIRE TIME, ABOUT PAYMENTS REPORTED LATE EVEN WHEN CALLED IN ON TIME! IF I MAILED IT, IT WOULD BE 60 DAYS LATE! I PAID THIS VEHICLE OFF 4 YEARS AGO, HAVE CERTIFIED MAILED XXXX LETTERS STARTING XX/XX/XXXX TO REMOVE THE NEGATIVE REMARKS FROM MY CREDIT, IT WAS NEVER MARKED DISPUTED UNTIL I WENT THROUGH TRANSUNION TO DISPUTE, THE CREDIT BUREAU THEN MARKED DISPUTED AND IT WAS DENIED AND VERIFIED ... .BY HYUNDAI MOTOR FINANCE BUT THEY COULD NOT PRODUCE THE ORIGINAL CONTRACT OR PAYMENT DATES REQUESTED NUMEROUS TIMES! I HAVE YET TO RECEIVE A RECEIVE A COPY OF THE ORIGINAL CONTRACT AND PAYMENT RECORDS I REQUESTED FROM HYUNDAI MOTOR FINANCE, ONLY XXXX LETTERS BACK ASKING FOR INFO FROM ME AND MY SIGNATURE!! I AM AT A SMALL CLAIMS STAND POINT FOR NON-COMPLIANCE FDCPA Section 807 ( 8 )!!! I HAVE CERTIFIED MAIL SIGNED CERTIFICATION THAT THEY RECEIVED MY LETTERS. ALL I 'M ASKING IS FOR THEM TO DELETE NEGATIVE REPORTS FROM ALL XXXX CREDIT BUREAUS, THEY GOT THEIR MONEY, PAID OFF IN FULL, 2 YEARS EARLY!

Company response to consumer: Closed
Consumer complaint received 2020-03-03
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a debt collection letter from collection service. Was told that they were giving me a discount and that by paying {$160.00} plus a {$5.00} service fee for doing a future programmed debit payment the debt of {$200.00} was going to be resolved and that I would be cleared of the whole debt and also cleared with XXXX. XXXX was the original debt owner. I did not have work so I couldnt pay it off then. After the payment was taken I was told it was going to be cleared with XXXX. It was not, XXXX has me owing {$45.00} and when I contacted the collection service about this they stated they no longer have my account with them and that I need to pay {$45.00} to XXXX. The collection service was supposedly going to transfer me to a manager after I mentioned consumer affairs for not telling me the truth then tried to misguide me with other supposed options. I hanged up and checked in consumer affairs website and it was here that I needed to file my complaint. Supposedly on all conversations with the collection service all calls were being recorded and monitored?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We purchased a mattress in XXXX of XXXX through Mattress Firm and by using a Synchrony Bank credit card. The first mattress was of poor quality, so we exchanged it to a second mattress. 

The second mattress deteriorated exceptionally fast. We submitted a warranty claim that was approved to be defective by MattressFirm. However, they only offered store credit. As this was the second mattress with them we found to be low quality and did not want to have additional days with severe body pain, we wanted to return the mattress and have the credit zeroed out. 

We still have the mattress. We want them to take the mattress and zero out the remaining balance {$2300.00}. They have judged the mattress is defective. It's unfair for them to make me keep doing business with them when they couldn't deliver the first XXXX times.

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 2022-07-07
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my account with Wells Fargo ( their XXXX ) on XXXX XXXX because of the new XXXX residency XXXX ( now permanently resident in XXXX XXXX XXXX and I was forwarded forms that I was instructed to download, fill and return the original documents by courier to XXXX address in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX. Signed by a XXXX ) but have not received any meaningful response from the bank since.

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 2020-03-03
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX   XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: AR
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:
A few months ago upon reviewing recent copies of my credit report, I realized that my identity had been compromised and I have become a victim of identity theft. I immediately notified the three major credit bureaus XXXX, Experian, and XXXX. I sent out numerous dispute letters along with supporting documentation. I recently submitted an identity theft report from the Federal Trade Commission which included some of the Fraudulent accounts in question. In addition I attached a copy of my drivers license, social security card, and a utility bill. After noticing fraudulent personal information listed on my report, I submitted and updated personal information request to remove all fraudulent outdated information including incorrect or wrong names, phone numbers, addresses, and etc. I have yet to receive any verification from Experian in regards to my dispute and it has been well beyond the 30 day time frame allotted under the Fair Credit Report. Experian has violated section 605b, 609, and 611 under the Fair Credit Reporting act and should be held accountable.

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 2016-10-31
Company: Financial Business and Consumer Solutions.
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2006 my ( now ex- ) husband and I refinanced our home. This included a XXXX mortgage/home equity line of credit. As indicated on our closing documents, this was to have a variable interest rate. The mortgage was sold XXXX times. When the XXXX lien holder took over, we were informed that we had unpaid interest of {$14000.00}. We did not understand how we could have that much interest unpaid on a 6 year loan, as we were current on the loan when the third company took over. In my investigating into this matter, I learned that the second lien holder does charge interest. We have no control over who our mortgage gets sold to ( we 're now on our XXXX lien holder ), but we do expect the interest to be applied like it 's supposed to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: NE
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 have fell victim to identity theft we have uploaded all the required documents on 3 different occasions since the beginning of XXXX. I have also called each credit bureau and each time Im told to just dispute the charges. These are not my accounts and no one is helping me get them blocked and the companies arent removing either. Each time they respond or I get them on the phone they state the FTC theft reports are not real because of formatting? And the gray box below the signature that is per of the report looks like marker? but yet they are downloaded directly from the FTC website and they tell me they will just dispute it and then leave the information on our reports! They have ignored the 4 business day FCRA block and I have talked to multiple representatives. The email responses state the FTC is not a legitimate law enforcement agency? Please this is ruining my life and we can not obtain a mortgage due to these fraudulent accounts. I have uploaded theft reports, irs theft reports, dmv crime fraud department reports and letters including letters specifically stating what is fraudulent and letters sent to the providers of the incorrectly reported information.

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 2020-03-03
Company: Experian Information Solutions 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: Other problem getting your report or credit score

Complaint:
Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX  was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both Experian and XXXX  have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. XXXX  uses XXXX people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( 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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2020-03-03
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been in communication with LexisNexis for nearly 2 months trying to obtain a full report so I can rectify discrepancy on a background check that has prevented me from obtaining employment over the past 6 months. 

To date, the continually say they are unable to verify my information because the documents I send contain insufficient information. 

I have sent them all of the required documentation listed each time. I have done this several times, and just one day ago I received the exact same notice of insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Huntington Bank on XXXX/XXXX/2021, using a link that advertised a {$150.00} bonus with new money deposits of {$1000.00} and having the account open for at least 90 days ( both requirements have been met, 90 days should have been reached on XX/XX/XXXX and I made a deposit of {$1000.00} on XXXX/XXXX/2021. The money has been in the account since ). 

I made very sure to click the link that is shown in the attachment indicating that it would apply the bonus code. On XX/XX/XXXX I contacted Huntington Bank twice through their online chat feature and once through a XXXX direct message and was told all three times that a promo was not attached, given the link I clicked and the description below the link I do not see how that could be the case beyond an issue with their system. I was eventually told by the representative I spoke to on XXXX that they would contact their promotion department and get back to me but that has not happened. 

In effect I feel like this was a bait and switch where I was advertised a bonus, gave them my money for 3 months under the assumption that bonus would be honored and then at the end was told there is no bonus with no solution offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-27
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My name is XXXX XXXX ; i am a widow ; semi-retired from XXXX. The FCM bought out my XXXX mortgage a few years ago and placed a lien on my property. I have been trying to settle this since then. It is almost upsetting how they kept on asking me to counter offer against their offer of {$31000.00}, but never mentioned about the expiration date -- XXXX. Had I known that there was an expiration date on their offer, I would have made far better decision. I did not have a regular income, so I was trying to see if I could lower the final amount to borrow lower than {$31000.00}. I felt very angry at their deceit -- not ethical at all. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' to me last week. I had filed chapter XXXX in XX/XX/XXXX, I need clarification on page XXXX where they said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. ' I am totally confused ; they said this debt was excused ; then, they would like to accelerate?. 
If you can help me settle this with their initial amount for me since they were deceitful, I would greatly appreciate it. I have XXXX different licenses -- XXXX ; each ethics class I had taken for these, they emphasized how important it was to inform your customers with all important facts to help them make a better financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

XXXX XXXX and a XXXX! 


Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the course of the past decade, I have sent Portfolio Recovery Associates multiple certified letters regarding harassment for non-existent accounts. I continue to be harassed at my home from the following debt collectors : 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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I currently do not have any accounts in default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experien credit bural never did anything about my complaint, They have me down as past name XXXX XXXX? that has never been my last name I asked them 12 times in 2 yrs to fix it and they refuse. 
They also have me down at XXXX address on XXXX in XXXX ill XXXX and XXXX I never lived their or any address on washtenaw and they refuse to take in correct address off. they also have me at a address in XXXX ill? never live in XXXX and i asked them to take it off. they got mad at me so now they block me from dispputting online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief