BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: Iconic Mortgage Corp.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
loan approved keep requesting doc and sending document o be signed no closing date loan started XXXX approved 2020 back and forth with the XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: GA
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:
My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Onemain financial has made calls to my HR employer about my debt and ways to contact me 3 times in the last 3 months. Along with that, they made repeated calls to my phone number to ask about the debt ( 6-8 times a week ), even though I told them to stop contacting as I am in the process of getting debt consultation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-XXXX XXXX XXXX number starting with XXXX -XXXX XXXX XXXX  number starting in XXXX -XXXX XXXX XXXX XXXX number starting in XXXX -Amer Fst Fin Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have federal student loans that are currently serviced by FedLoan, and I am pursuing Public Student Loan Forgiveness. Across my loans there are 10 monthly payments that are incorrectly listed as " ineligible '' as counting towards PSLF. During these 10 months I ( 1 ) worked for an eligible employer that has been verified and ( 2 ) my loans were not in a grace period, deferment, or forbearance. I have previously requested recounts of my ineligible payments, resulting in some to be updated as " eligible '' for some loans but not others.

I am requesting the assistance of CFPB to initiate another payment recount for my " ineligible '' payments. I have submitted this request to FedLoan by fax but have received no response. I am not able to reach a live representative by phone to make this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Revco Management, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 It's the same company everytime. They just yell at you and call you a liar when you try to set up a payment plan. It's General Service So they say. They call anywhere from 4-7 times a day, but never leave a message or not hang up on you. Repeat calls within 15 min of each other is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020, I submitted a dispute to Trans Union in regards to a bankruptcy being inaccurately reported on my credit file by Trans Union. On XX/XX/2020, Transunion replied stating they verified the information as accurate even though i showed evidence that the information was inaccurate. According to section 609 in the FCRA, all information in a credit report must be completely accurate or it must be deleted.

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 2021-01-01
Company: National Credit Systems,Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Moved out of rental and let XXXX know XXXX of XXXX of XXXX. Rental was turned over on XX/XX/XXXX. XXXX with XXXX said all was good, I didnt owe any . They kept all of my security deposit and I professionally cleaned the home prior to moving. Was not contacted by them via email, mail or phone call stating I owed any $ for the last 2 weeks. My rental agreement was up XX/XX/XXXX. I did not renew due to Covid. I was contacted by phone call on XX/XX/XXXX by collection agency XXXX XXXX XXXX saying I owed {$1000.00}. She said if I didnt pay they will just report me and damage my credit. I told her I was never notified by anyone saying I owed any . I contacted XX/XX/XXXX via email and XXXX said I did not owe anything and to ignore. I called agency back and left message telling them what XXXX said and to call me and contact XX/XX/XXXX directly. Weeks later I got an alert saying my credit dropped and it was put on report. I cant get an answer or call back to talk with anyone with XXXX. If I owed any . I cant get an answer from anyone and I dont believe debt is valid. I would have paid if XXXX told me I owed which he didnt. It would have only been for two weeks- not a full month of I did owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America Account number XXXX Property address XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I have not been able to make any mortgage payments for the past 1 year and I'm currently on deferred payments with Bank of America . I have applied for loan modification with the bank and I have submitted all the documents they have requested for, after submitting all the documents they have rejected my application saying I have to apply for refinance. Initially they have requested me to apply for loan modification since we do not qualify for refinance since we currently do not have jobs, now they are just going back saying we have to apply for refinance. How can we apply for refinance when we are not eligible? Please help get the loan modification processed so we can start making minimal payments.

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 2021-01-01
Company: Experian Information Solutions 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:
See attached documents. I have complained at least 75 times against XXXX XXXX XXXX XXXX # XXXX. I complained the car purchased in my name was forgery and fraud. But that was denied. So to prove the fraud, I complain that my credit report was pulled without permissible permission to " check me out '' and then a application and contract was prepared. I received the attached from XXXX XXXX XXXX XXXX. XXXX XXXX continually refuses to send copy of the dated credit report and the permissible permission used to access my credit report. In addition, and further proof of fraud, I request the method of payments used to make the payments on the loan ; name of account, bank info, method of making payments etc. I did not give permission to access my credit report, I did not purchase the vehicle, I did not make application, I did not contract with XX/XX/XXXXXXXXXX/XX/XXXX, and I did not have use, benefit, or possession of the vehicle.

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 2021-01-01
Company: Experian Information Solutions Inc.
State: NM
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:
Experian notified me of the " update to dispute '' on my credit report and again refuses to remove accounts that are past theXX/XX/XXXX statute of limitations. I am still a resident of California, working and residing in XX/XX/XXXX The statute for XX/XX/XXXX is 4 years. The accounts need to be removed from my credit report. 

I am tired of continually fighting Experian about this. They will not comply with the statutes.

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 2021-01-01
Company: ALLY FINANCIAL INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attempted to refinance my home loan through Ally. The original offer they will obide by. I was offered XXXX with a credit of XXXX points. I asked about rolling my closing costs into loan. They did not inform me that it would make me pay XXXX dollars more in points. Every few days they keep adding more fees and when I ask a question they do not answer me. I have asked them told them multiple times I am unsure u want to continue with loan and they keep moving it forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft. I have requested that these fraudulent items be removed from my credit reports. The credit bureaus have not provided proof that these are my items. I have not seen a contract or a signature for any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
I have two CC with one company. Back in XX/XX/XXXX some charges were made that I did not realize till XX/XX/XXXX this account was used by my daughter for college. I have been unable to get the five charges removed and stopped my payments. I will pay the penalty but I was frustrated with the lack of consumer services when contacting the company. In XX/XX/XXXX I finally got a person from the company to assist me and agreed to make a payment that would pay off the credit card. The company did not apply the funds to the credit card in question but to the second card. I was under the understanding that at that time I had a XXXX  balance on that credit card if the five charges were successful. Last week I received a notice in the mail that the cc in question now had a balance of four hundred dollars more then what I paid off. Another words my payment was for XXXX dollars and now I have a XXXX debt on this cc.

The second cc I stopped payment on because of the slow crediting on my account that more then once took more then a week to post and allowed the company to charge additional rates. One week after I sent them a XXXX dollar payment they claim I owed them the additional money even though the company held the funds and did not post them to my account until after the late fees could be applies.

I have not made a payment yet and have not been successful in communication with the company. Until I can get the first cc straightened out I do not plan on paying another cent to the company.

I have not used either cc for months and have since destroyed them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: ERC
State: FL
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:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not have nor have I ever had an American Express card account but they annually request my credit without my consent. This was off my report : ( see below ). 

Show less Account name AMERICAN EXPRESS Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I 've sent 2 debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Square Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been using the prepaid visa debit card Cash app for about 2-3 years. You can not spend one cent over your limit. If you are over when paying it is rejected immediately. I used my card for my stimulus  payment due to the pandemic. I bought what I needed. As of XX/XX/2020, I had a balance of {$180.00}. When I woke this morning at my cash app sent a message saying I was - {$140.00}. They have no customer service phone with live agents to immediately report the problem only email support, which they send only generic responses. I believe the cash app is stealing the stimulus funds, should be looked into under the RICO Act and shut down for extortion. I also believe this is XXXX. What reputable company has no live customer service? I never had an issue with this card until I received the stimulus payment. I regret having used this card. I need help. I do not owe the cash app {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my XXXX XXXX. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX XXXX XXXX XXXX & EXPERIAN ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( XXXX, XXXX & EXPERIAN ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the 3 credit Bureaus ( XXXX, XXXX & EXPERIAN ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.

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 2022-10-10
Company: Freedom Mortgage Company
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:
Freedom Mortgage. XXXX Payment made on the XXXX. They didn't post till XX/XX/XXXX. XXXX. Contacted them to dispute. No success. 

In accordance to the Fair Credit Reporting act Freedom Mortgage has violated my rights. 
Under 15 USC 1681 Section 602 states I have the rights to privacy.

Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor can not treat a payment on an account under an open and consumer credit plan as late for any purpose.

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 2022-03-21
Company: EQUIFAX, INC.
State: KY
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:
My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and XXXX/XXXX  provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
XXXX XXXX XXXX ( via Chase ) refuses to process the check I sent to pay off my car lease. Its been two weeks since the check was overnighted and they still havent deposited it. Customer Service gives conflicting information about when the check will be deposited, and right now my car is in limbo, still titled to XXXX XXXX XXXX well beyond the lease end. ChaseXXXX has held my money in limbo for an unacceptable amount of time and I am out the cost of overnighting the check which was pointless since they havent deposited it.

Company response to consumer: Closed with explanation