BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have pulled up my credit report in the Past and recently XX/XX/17, All my information is mixed with Fathers information. When Ipull up my credit report with my social security and date of birth it pulls up my dads information. I have also contacted a credit repair company suggested XXXX XXXX website and the rep that I spoke with also pulled up the report and there in fact showed Accounts that belong to my father. Also My father is Not deceased so there is no reason for this mix up. There are inquires that have been on my credit report for a more then five years. There also credit cards that were opened with my 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 2020-01-15
Company: Neighborhoods United, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had surrendered the property in XXXX to the initial mortgage company only to find out that the loan was sold over and over again. I began to notice that I started to receive tickets for the upkeep and abandonment of the property through the city and later found out that the property was still in my name. through research from a property search, I was provided the new mortgage company information and attempted to obtain some form of resolution for the next 2 months with being put through a cat and mouse game. I had tried to sell the property but was unsuccessful without the release of lien. next, I am offered a deed lieu and when I follow up I am then told that they have an unrecorded deed lieu from XXXX. I continue to phone the company and ask when they would file the deed lieu and be told that I was offered a consented foreclosure and would not be held financially responsive if I agreed. now that offer is still available but no documentation has been sent to me and it is now a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX Freedom Mortgage sent me the annual escrow disclosure statement with wrong information and charges. On XXXX XXXX I sent them a request to try to fix the issue, I supported my request with XXXX XXXX of XXXX XXXX tax collector print out showing the correct amount due. On XXXX XXXX I received a letter from them indicating they received my written inquiry and that they will be reviewing the information and to give them 30 day to respond. On XXXX XXXX I received a letter from them indicating they are conducting further research and they need 15 more days where a written respond will be sent out by XXXX/XXXX/2016. ( It seems they failed to comply within the time frame they set ). 
On XXXX XXXX I did my regular monthly mortgage payment but I did n't include the unjustified new charges since it was under review since XXXXFreedom Mortgage refused to credit my account for this payment and they call me every day demanding the full amount they where requesting. I felt harassed, so I paid them the extra money they demanded and on XXXX/XXXX/2016 I sent them a request to cancel my escrow account since I have a conventional loan. On XXXX XXXX I received a letter from them indicating they received my request and they need 30 days to respond. During this process I was trying to get in touch with someone who can resolve this issue and kept receiving a promise that a manager will contact me, but never happen. 
Now XXXX payment is due and I do n't want to keep paying for someone 's mistake. As of now I want them to cancel the escrow account, I will be responsible for paying the tax and insurance on my account and refund me whatever they have in this escrow account. 
I really appreciate if you can help me resolve this issue with them. I could be reached at XXXX for any questions.

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 2020-01-15
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received 3 voicemails today from this company on 2 different numbers that are listed to me. They were the same exact automated messages from phone numbers : XXXX and XXXX. I called the number back and it went to a Direct Recovery Services. Upon reaching a representative, they used several misleading statements that mislead me to believe that there are further consequences for not paying a credit card bill. The representative mentioned several times that she wanted to help me get into a " voluntary '' payment arrangement, which indicates the possibility of involuntary action in which this agency has no authority in doing so. 
The phone calls were automated calls to a cell phone without permission. The collector pushed for a payment today by using the word required when there is no requirement for me to get into an arrangement. The collector demanded a payment today, which overshadows the validation period of them sending me a letter and allowing me the opportunity to dispute the debt before demanding a payment today, and they verified my address so I know they have the correct address to send the paperwork to. 
President Trump has recently signed into law, the TRACED law in order to prevent these types of automated, misleading, and aggressive collection tactics and is increasing the amount of possible damages per phone call from {$1000.00} per call to {$10000.00} per call. After I already spoke to a representative, later on I received another call from a different number with the same voicemail that I already returned the call earlier that same day. Even when I do call them back, they still call repeatedly. I had more questions for the representative but she hung up on me once she figured out I wasn't believing her lies and threats and making payment today. Once there was no money, she hung up on me without even giving me the chance to finish my sentence. These collection tactics are some of the most aggressive and misleading that I've ever experienced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18
Company: SYNCHRONY FINANCIAL
State: GA
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:
Reached out via Credit Bureaus to advise of the non-authorization.

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: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company states they are a collection agency/lawfirm on a student loan debt that they now are handling. Didn't provide proof or verification that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Affirm Holdings, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company 's name is Affirm and I've attached their link below. 

On XX/XX/XXXX, I received a text message notification that I owe over {$200.00} for an XXXX purchase that was made in XX/XX/XXXX. I immediately called Affirm to report this as fraud because I did not make any purchase from XXXX during that time. Affirm assured me that their XXXX XXXX would handle my fraud claim and they would resolve the matter in XXXX business days. They also assigned a claim number to my case - XXXX. On my first call, they told me that I should not make any payments. I specifically asked if my credit score would be impacted, to which they responded No.

Unfortunately, Affirm did not resolve my fraud claim and they have been sending me repeat text messages and emails every day for the past 2 months. I called them today on XX/XX/XXXX for an update to learn they still haven't resolved my case. I asked once more if my credit would be impacted and this time they said Yes. I asked to speak with a supervisor and was denied that right. I also asked if my case can be expedited and they could not give me a clear answer. 

This is extremely frustrating and I do not want me credit to be impacted by a fraudulent loan that I never requested. 

The support team has been very unhelpful and they appear to be understaffed. I am in need of assistance with resolving this matter urgently. 

https : //www.affirm.com/ Respectfully, XXXX XXXX, XXXX XXXX Attorney at XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX has discriminated against me by not letting me create online account also, Filed a dispute not providing any help for dispute, XXXX rep XXXX, states that it takes 90 days to resolve a dispute. Card number XXXX Exp XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX  account # XXXX. 
XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXXXXXX REC account # XXXX 15 U.S.C 1981 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX of 2019, I had a change of employment causing me to pay Arkansas Department of Finance Administration directly for the required monthly payments instead of the usual drafts from my checks. I have proof of the on time payment ; yet I have derogatory information reflecting on my Experian Credit Report. It may be a mistake but I can not afford to pay for that mistake, especially since it was not made due to me being careless. The receipts will follow.

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 2015-06-19
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is an account on my credit report that is reporting in error. I have disputed this information with the credit agencies XXXX times now and the creditor keeps telling them that the account is valid and therefore is still reporting on all of my credit reports. The creditor is reporting to XXXX credit agency that the last date of activity is XXXX/XXXX/XXXX which is completely inaccurate since I have had no dealings with them ever. Then they are reporting to another agency that I made a payment to them in XXXX which is completely false because I never paid them anything and that they account was opened in XXXX which is also inaccurate since I know this account is well over XXXX years old. I know that by law they have to remove items that are over XXXX years old and I 'm not sure why they keep falsely reporting this debt on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Today, XXXX XXXX, 2016, I went online to order my quarterly credit report from XXXX and chose Experion since I had n't gotten XXXX from them in over a year. After verifying my identity on both XXXX and Experion 's site, I got the following error message : We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CURO Intermediate Holdings
State: NV
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I made several transactions that were declined and the company held up my money for seven days each time stating it was the other company that was holding up the money. If the transaction is declined what ever money is on the card should be able to be used. Their thieves. I printed the transactions so I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: FIRST PORTFOLIO SERVICING INC
State: GA
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:
I did not authorize the hard inquiry of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax has confirmed my personal and private information has been improperly protected and is now part of an entire batch of data stolen from Equifax through " hackers ''. I have already placed a fraud alert on my credit file to catch any attempts to use my data in the next 90 days. However, the information which was stolen will be with me for the rest of my life, and I now must continually freeze my credit or keep on high alert to protect the most private data that actually makes me a " person ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: DISCOVER BANK
State: MN
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:
I am a victim of identity theft. I been receiving death threats, threats of legal action of being sent to jail or prison, harassing, profane and abusive telephone calls from Discover Financial Services for a debt of {$14000.00} for a fraudulent Discover card account ending in XXXX thats not my debt or account. Its a fraudulent account and the debt is not my debt. I did not apply for a Discover credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I am a business owner. I was giving a check by a business i do business with. The check was stolen and someone deposited it into their personal account via atm. Wells fargo bank allowed this personal account holder to deposit a business check that wasn't made out to them into this persons personal account. Wells Fargo contacted the business I do business with and asked them who they gave the check to and they said my company name. Wells then said to put a stop payment, but it was too late. Wells Fargo 's legal fraud department contacted me and said they figured out who did it and asked me to file a police report. Then they said have the business who gave me the check file a claim, which they did. Everytime i contact Wells fargo for the status of the refund to the business i got the check with so they could give me a new check they say it is a slow process and still pending review. Its been over a month now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NC
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, 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 2022-06-18
Company: EQUIFAX, INC.
State: NC
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, 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 2020-01-15
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Just letting as many folks know as possible, I've lived under this shadow too long. these guys are animals and do not care about anything but robbing you of everything. I signed a contract that contained solid borrowers ' rights, guaranteeing access to court due process and the right to appeal any decision. Both parties were on equal standing with rules clearly spelled out. I don't know what you would call this thing the govt created. lender, service, and collector? with the power to make the law without limits or oversight. Anyone feel like your rights still intact? I have declared my contract to be in breach. One party removed all rights from one party and somehow claimed them for their own. Contracts are not to be altered without the express consent of both parties. Folks we have a legal system, not perfect but protects rights, try to make both parties whole and the rules clearing spelled out. My contract falls under that jurisdiction. This is an illegitimate fairy-tale Great big illegal money machine. I will hold the contract as breach. I would welcome any challenge to the status. It will be in an actual legitimate court system. Until decided contrary by a legitimate state court Judge, The status of the contract will remain unrecoverable. Any attempts to bypass judicial review of my case will pierce the corporate vail and allow for a district court summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX a avp at XXXX Mortgage in XXXX of 2019 Accessed my bank account, credit cards, and rent using stolen accounts from people applying for mortgages at XXXX. I stopped working for the company back in XXXX and starting in XXXX he stole peoples information and use me and my information as a cover-up for fraud. He got into my bank accounts and credit cards doing test deposits and payments and when it cleared he went to XXXX and XXXX XXXX to commit bigger fraud. I was aware of the situation However I didnt know how bad it was until my bank accounts were frozen and credit cards canceled due to fraud. As the months went on I started getting updates from my credit report and banking institutions along with the police and feds About how deep the fraud went. I was cleared of all charges and capital one refuses to delete this credit card off my credit due to they keep confirming its my credit card which I never denied. But the fraud that was committed on my card and payments made fraudulently causing my cards to close I dont accept accountability for.

Company response to consumer: Closed with explanation