BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-22
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a mortgage where I pay the insurance and taxes separately. Freedom Mortgage has charged me separately for insurance that I don't need and is charging me late fees. When I contacted them, they indicated they needed insurance verification to wave their policy and late fees. I've provided the documentation, both by uploading the verification and by sending directly to an associate in their insurance department. The insurance department indicated the issue would be cleared over night. It's now several days later and the issue isn't resolved. When I call, they no longer can give me a reason on why the issue isn't taken care of. I'm still being charged for insurance and late fees for an insurance policy I don't need. I've escalated the issue to XXXX XXXX ( id # XXXX ). XXXX XXXX is now telling me I owe a mortgage payment for XXXX as well that I've already paid ... and I can see in there website that I paid it an It's cleared my bank account. I don't know what else to do, so I'm filling 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 explanation
Consumer complaint received 2023-09-20
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing a debt from XXXX XXXX represent by SCA collections now for over a year, I never received notice of debit or was giving the opportunity to dispute this debit. I have called XXXX XXXX and had my insurance provider XXXX XXXX XXXX XXXX reach out to because any charges would have been covered by my insurance, but no one has produced a bill or documents, showing I had or authorized treatment. I have made these request through dispute resolution through the credit bureaus and well as XXXX yet nothing has been done about the lack of compliance with federal law.

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 2023-07-13
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 # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
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:
XXXX XXXX XXXX continues to violate the law claiming that the information they are furnishing is 100 % accurate and complete, when in fact it is not the case. Again, caught in a lie, I have uploaded the document where they show the balance that is owed. The amount owed on their invoice shows XXXX but on my credit report with Experian it shows {$9200.00}. Clearly, they are not reporting 100 % accurate information, and I demand that they remove the account immediately from my credit report. They continue to play around and justify their incorrect reporting, but it seems that recently XXXX got caught misreporting and tarnishing people 's credit report with incorrect information, straight from the cfpb website. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-toyota-motor-credit-to-pay-60-million-for-illegal-lending-and-credit-reporting-misconduct/ Specifically : Furnishing false data to consumer reporting companies : XXXX XXXX XXXX falsely reported customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. XXXX XXXX XXXX also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate.

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 2022-02-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Sir /Madam, We would like to report what we consider to be a predatory practice regarding a XXXX XXXX loan by our bank, Wells Fargo . 

In XX/XX/XXXX, we took advantage of a zero interest loan offer to finance the replacement of the old air conditioning system in our house. The amount of the loan was {$5500.00} to be repaid over 18 months. The loan was to be repaid through monthly installments of {$310.00} ( the first one was a little more, at {$380.00} ) and a last one of {$190.00}, to be paid through automatic debit from our bank account. All XXXX installments were paid in a timely manner through automatic debit. XX/XX/XXXX was the last installment of the 18 month loan. However, the last installment of {$190.00} was not debited, for a reason unknown to us. We received no alert, email or notification whatsoever that this final installment had not gone through. Because of this, Wells Fargo is now charging us with almost {$2000.00} interest retroactively, or nearly 40 % of the borrowed amount. 

On XX/XX/XXXX, we contacted the bank to contest this. Their justification wasthat an e-mail had been sent to us alerting us aboutthe last installment. Searching our personal emails and online Wells Fargo messaging system thoroughly, we found no record of any message. We paid the final {$190.00} but refuse to pay the XXXX dollar interest on the loan. The banks answer was that the dispute would be taken to a higher hierarchical level. To this day, no-one has gotten back to us. 

We consider that the bank is trying to retroactively change the conditions of the loan alleging the missing of a smallpayment that should have been directly debited by the bank. We would be grateful if the Bureau could provide some advice on how to proceed to stop a claim that is not only undue but completely out of proportion to the initial amount of the loan.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
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 In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 


Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect

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 2023-12-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I been receiving harassing phone calls from Complete Payment Recovery Services , Inc. For a debt that is the result of identity theft. I never applied for or had an account with XXXX XXXX. The account is a fraudulent account and not my account or debt. The phone calls I have received from Complete Payment Recovery Services has been threatening in nature. Representatives from Complete Payment Recovery Services has used obscene, vulgar and vituperative language. They have threatened to have me arrested and thrown in jail and informed they will destroy my life by ruining my credit for life, all for debt and account thats fraudulent, the result of identity theft and not my account or debt. Complete Payment Recovery Services is in complete violation of the Fair Debt Collection Practices Act under Federal law.

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 2023-01-12
Company: LEXISNEXIS
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 recently sued for the improper use of consumer credit file information, including information that is not shared with this entity. 
I requested a disclosure report and received a letter stating the process by which they gather information from credit bureaus and other government entities. The problem is that I requested a letter seeking validation of the information listed on this consumer report with their company. Of which, I did not receive. 

A Consumer Alert Security Freeze Identity Theft Security Date Placed XX/XX/XXXX A request to opt out of their consumer reporting agency was sent on XX/XX/XXXX. I received a copy of the consumer report by mail on XX/XX/XXXX. 

XXXX XXXX & XXXX has a XXXX Bankruptcy listed as Dismissed. XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Does not share or validate the information with third parties. This information could not be validated using personal, or identifiable. 

XXXX  has violated my right to privacy. I requested to Opt-out as well as suppress the information in their database and unfortunately, they have continued to maliciously use my personal inforamtion causing reputational harm when applying for homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, I received a card to recommend for the permanent removal from pre-approved credit offer mailing lists from Experian addressed XXXX. XXXX, XXXX, TX XXXX. Since I consider email communication is included for removal, I have assumed not to receive it from anybody. However, at XXXX of today, I received an email from Experian ( XXXX ) an offer of credit card, Experian XXXX XXXX Digital Checking, which looked like to be done by cellphone ; even though I believe it must have been impossible with my old cellphone.

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 2021-07-02
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX this company called from XXXX, the lady left the name of XXXX she advised me to contact a number XXXX with a case file of CD XXXX. When I called the XXXX number the phone was picked up by a XXXX. This company has been repeatedly calling my phone number XXXX, and my parents phone number XXXX. I had previously spoken with a Mr. XXXX at this same number. They advised that I owed a balance from Citi Financial on a car note from well over 10 years ago. They advised the last payment was made some time in XXXX for XXXX, and that the balance was over XXXX owed and now with interest is over XXXX. This car was re-possesed over 10 years ago, and to my knowledge no payment was made in XXXX. This debt is not owed, they refused to remove any phone numbers whatsoever and told me they were XXXX not going to remove any numbers and to pay my XXXX bills. When they answer the phone, they just state legal department. They advised someone was coming to serve me at my home, and threatened to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX and my home ( a mobile home ) at XXXX XXXX  XXXX, XXXX, NV XXXX burned down more than two ( 2 ) years ago. I reached out to my loan servicer ( Loan # XXXX ), Community Loan Servicing ( Number XXXX ) when I inquired they advised me that I did not have insurance. I was approached by a friend of mine who is skilled in real estate and he looked at my payment statement and advised me that I had an impound account and I, in fact was being billed for insurance. XXXX XXXX became my Third Party Authorization and Power of Attorney. He sent the documents on XX/XX/XXXX. He then called the company on XX/XX/XXXX and spoke with a representative named XXXX in the XXXX Call Center. XXXX refused to answer any questions related to the insurance. XXXX XXXX then called back multiple times with the question about the insurance and escrow accounts only to learn that there was a lender placed insurance policy. And, in XX/XX/XXXX the lender received a check for {$82000.00} which should have fully satisfied the loan. I am asking that you use the money received to pay off the Loan ( now a short pay ). Finally, please stop the foreclosure and notify all credit agencies and communicate that I do Not have a delinquent loan. The insurance claim number in this matter is XXXX. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
During the COVID-19 pandemic, numerous individuals, including myself, have faced financial challenges due to the economic downturn and various hardships caused by the unprecedented circumstances. In light of these circumstances, it is crucial that accurate information is reported on credit files, reflecting the accurate financial standing of individuals during these challenging times. I am writing to dispute the inaccurate information that has reported on my credit file, which is in violation of the provisions outlined in 15 U.S Code 1681s-2 ( a ) ( 1 ) ( f ) Responsibilities of furnishers of information to consumer reporting agencies which states : ( F ) Reporting information during COVID19 pandemic ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 
The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

President Biden ended the Covid-1XXXX Emergencies on XX/XX/XXXX which means covered period ( bb ) applies in regards to these inaccurate accounts. I attached dispute letter pertaining regarding the account i'm referring 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-01-11
Company: Diversified Consultants, Inc.
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:
Several months ago I was contacted by a collection agency acting for XXXX XXXX, trying to collect on an account. I have never had an account with XXXX XXXX or any of their affiliates, and when I asked what it was about, they told me it was for cable tv service at an address I have never resided at. They entered a fraud report, and advised me they were returning the file to XXXX as " Fraud ''. Yesterday, XX/XX/2019, I learned that another Collection Agency, Diversified Consultants, of XXXX, Florida, filed a " Collection '' report against me with XXXX, claiming an unpaid bill of {$450.00}. I had no idea what this concerned, so Icalled them to find out what it was about. An employee, who identified herself as XXXX XXXX, with whom I spoke, told me XXXX had retained them to collect on the same claim previously determined ( and, apparently agreed by XXXX ) to be fraud. When I asked them why they filed a Collection report using their name as creditor, I was told that " we are only acting for XXXX, it is not our account. '' This is incorrect, as in that case, XXXX should be substantiating their claim ( which they never validated or verified the last time around ). Diversified gave me XXXX XXXX   number, and I called them and told them the same story, that this is not my account, I have never had an account with them, and have never resided at the place where the service supposedly was. They told me they were sending me a fraud package to complete, and that I would have to go to the police department and file a police report. I do not live in the suburb where the supposed claim exists, have no knowledge of this matter, and told them that I would send them their requested Sworn and Notarized Fraud form, but I did not have the time to go to the police department to file a report, did not know which police department to file it with, and would provide them with every thing else, including an Affidavit. I also advised them that I was upset that their collection agency had wrongfully filed a Collection with XXXX. Within two hours ( I have the ability to monitor my credit files ), I learned that XXXX  responded by filing ANOTHER Collection claim with XXXX. Again, they have not verified or validated their claim, should have information in their file from previous attempts to collect this verifying that the claim is fraudulent. The filing of the second Collection with XXXX   is clearly retaliation for my complaining to them about repeated attempts to collect on an obviously fraudulent account.

Company response to consumer: Closed with explanation