BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company, Freedom Mortgage has been a horrible experience since the beginning of XXXX. Last year, I was having problems paying my mortgage and opted to using the VA COVID forbearance plan. Earlier in 2022, I planned to leave the program after being able to pay my mortgage. Well, it didn't go as planned. While leaving the COVID forbearance, it took Freedom Mortgage over 6 months to transition us off the program. During this time, they were taking huge amount of time processing the paperwork, and delays in underwriting. While waiting, our mortgage payment debt was building. I called multiple times checking on the status. In XXXX, I managed to submit paperwork to start paying my mortgage. I was informed that my first payment was initially due XX/XX/XXXX but it was later confirmed and changed to XX/XX/XXXX. After XXXX, I was getting multiple harassing calls that my payment was due. I would call back to understand why I was being berated. I was informed to ignore the calls and that my payment wasn't due until XX/XX/XXXX. Unfortunately, in XXXX, the harassing calls didn't stop. I called again and explained it again. This time it changed. On XX/XX/XXXX, I was told that I was late on my XXXX and XX/XX/XXXX payment. I was very upset and had to explain to them how I was lied to for months and was told incorrect information. Now my credit has been affected and XXXX  XXXX  only offered a, " we're sorry that we misled you. '' Now I'm XXXX months behind and I can not afford to pay the payments owed. I will have to go get a loan and avoid my home from going into foreclosure. This is a complete disservice to me as a retired XXXX veteran, and is causing undue stress around XXXX time. We're not sure if my kids will get anything for XXXX due to the neglectful and haphazard business practices of Freedom Mortgage. This is clearly their fault and I should not be held liable or having to pay 2 months of my mortgage for their lies. Please help to rectify this issue, my negative credit hit, and this financial burden that my family and I are a victim to.

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 2022-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacts me at least twice a day as well as calling my relatives that has nothing to do with it. 
XX/XX/XXXX called me and my upset three time XX/XX/XXXX called me once XX/XX/XXXX called me twice and my husband once. 
XXXX of XXXX - XXXX at least me twice from different numbers and my husband once. Caused friction on his job when they call during the day. 

I receive calls from numbers ranging from NC, GA, CA, TN, TX to name a few. 

I asked them to stop calling as I am working with a credit repair company, but they keep calling us this has been going on for over 5 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
my name is XXXX XXXX, my passport number is XXXX, my phones dad number is XXXX, Im from XXXX XXXX open an account in bank of america in XXXX when i was in the XXXX, the account number is XXXX, in XX/XX/XXXX, the bank of america decided to close my account ( they must have their reasons ), the problem is that they sent a check to my adress but I have never receive it, cause I returned to my country at that time so I traveled to the US again a couple of times for vacations but I tried to request my money to bank of america, and they told me that the check is not available cause somebody, not me, had already cashed the check, I went to my branch-where I open my account, an executive called XXXX filled a request in their system and gave me this number of that request XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

in this moment, for me, the bank of america has robbed me about XXXX XXXX it was almost the ammount that i had in my account balance qhen they closed my account. 
I hope that consumer finance could help me in this case, the bank of amerika robbed me cause I am a XXXX 

thanks in advance, i am not a XXXX  XXXX speaker, if you want to contact me, I would prefer 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 monetary relief
Consumer complaint received 2023-11-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, I bought a truck with Toyota motor credit and they added optional packages to the loan without me knowing about it. When I found out, I wanted to cancel with them at the dealer and they didn't. I called and they didn't give me a solution and that affected my credit. 3 months I changed the car and they removed said packages adding them to a new loan from another car which they did not notify me of said products added to the loan which made my payments higher than unusual which affected my credit and increased the APR of the loan In XX/XX/XXXXXXXX  I changed the car again and they added said extended maintenance package which I had to call and canceled but they told me that my payment would not go down they only added the balance to the main balance of the loan which affected my credit score even more which continues to affect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: JPMORGAN CHASE & CO.
State: PA
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:
Dear JPMCB AUTO, I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates remove accounts off credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My account was closed in XXXXXXXX XXXX XXXX when I was still paying on my account. They have since charged it off since I stopped paying in XXXX. I have been talking to them since the closure about my account but they have been NO help. Apple/Goldman Sachs only want full payment, even when I was told by a Goldman Sachs representative that it was closed in error. Please help me fix this situation. They have been single-handedly ruining my life. I just recently got into a car accident and need a new car but cant get approved because of the wrongful charge-off. My counselor at my credit union suggested I contact you guys because I have tried to talk to Apple/Goldman Sachs but they just keep transferring me. Thank you for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

1. XXXX XXXXXXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : 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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-07
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:
XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time i had XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act XXXX XXXX acc # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: NJ
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, DEPT OF ED/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 explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: NC
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 been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I paid XXXX XXXX XXXX to remove all of my debt on my credit. Walmart, XXXX and many more are wrong on my credit. I have proof that I paid ALL companies showing up on my credit report some still show open when paid off and some show collected settled. They all should be paid in full no latefees asa agreed. How do I get them ti fix my credit? I paid all the items as a result of fraud and they didnt want to work with me on that either! I feel like I need a new Social Security Number. Its Horrible I pay all my bills and things I dont owe! I have medical bills poping up from a state I use to live and I had insurance, this isnt mine to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This issue is separate from the other two previously filed claims against Chase Bank. This is a new one in response to their response to me, claiming that they closed my account due to excessive claims. One of those claims were called in over the phone where I stated someone had booked a XXXX XXXX XXXX in California claiming to be me. I even offered to send to them the itinerary which was given to me by the hotel after calling them. They then sent me a new card as a preventative measure. When I first learned of my account closure on XX/XX/22 I asked if it was in regards to this so I could provide them with the proper explanation and they stated no reason was given and that my accounts were simply closed at the discretion of the bank. I asked if it was regarding my claims filed so I could assess to provide documentation if needed, but was never given that opportunity. 

I believe that this is discrimination and if the response to this complaint by chase bank is continue with the termination of my relationship to them and to keep my accounts closed I will now be pursuing legal action against Chase Bank and will then follow up with them with an attorney to file suit, if my account is not reinstated. As a XXXX man I believe this was due in course to discrimination. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XXXX XX/XX/2023, I logged in to my Navy Federal Credit Union and funds were missing. There were unauthorized transfers to XXXX XXXXXXXX XXXX XXXX-Checking Account ending in XXXX, under XXXX name XXXX for the total amount of {$9900.00} ( Two unauthorized transfers : {$5000.00} and {$4900.00} dated XXXX XX/XX/2023 ). Immediately contacted the NFCU Fraud Department & they froze my account. The agent explained that my computer was hacked and the signing was directly from my computer. NFCU XXXX Claim # XXXX dated XXXX XX/XX/2023. XXXX XXXXXXXX XXXXXXXX XXXX  Checking Account was closed after withdrawn of the stolen money. On Sat, XXXX XX/XX/2023, I filed a police report being a victim of fraud, identity theft, hacking into my computer and stole money from my bank account. XXXX XXXX Police Station Report # XXXX. Identity Theft Report # XXXX. Also, submitted an FBI IC3 report and an alert on all Credit Bureaus with a freeze # XXXX. Within four days of my fraud claim, the NFCU denied it. What investigation could have been conducted? Who was involved? 
I did not authorized those external transfers and never received the email notifications from the institution. 

The money stolen were part of my life savings, XXXX of honorable military service to this country. A debt that can never be repaid. As a disable veteran, I'm devastated. I have not benefited from the unauthorized transactions, neither had previous knowledge because the hacker deleted the emails from my email account. This money is for my retirement, years of hard work. I'm depressed and emotionally effected with this situation. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. IS 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 The following accounts are all fraud and need to be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: American Credit - Credit Repair Centers
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I own private property in XXXX XXXX. I own several parcels of land which are bordered by a fence. This company placed credit repair signs on my fence. I removed these signs, but new signs were placed on my fence again. This has happened several times over the past year. This company is trespassing onto my private property and placing signs without my permission. The sign reads Fix Your Credit XXXX XXXX. When you XXXX the number, its comes up as American Credit Repair I called the number and they identify as American Credit Repair. I asked them to stop advertising these illegal signs, however, they keep putting the signs back up. Moreover, this company has admitted guilt on the XXXX  website ( they also have an F rating. ) Placing signs on public and private property without permission is a misdemeanor in the state of California. Please sanction this company. 

Also, their contract states they are a non-profit corporation, however, they are not a registered 501 ( c ). I have a copy of their contract. This is a violation of consumer protection laws.

Company response to consumer: Closed with non-monetary relief