BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm currently going through a war on XXXX XXXX and have had to go through XXXX XXXX the past 2 years so my tolerance level for the amount of stress that this has caused me isabove and beyond my abilities. We do not get the best phone reception here. Wepurchased our forever home on our XXXX Wedding anniversary XX/XX/XXXX. We hadbeen with XXXXXXXX XXXX making our biweekly mortgage payments until XXXX when our loan was then sold to XXXXXXXX XXXX. In order to be a part of thebiweekly payment program, you had to have paid a month ahead on your mortgage, so atthe time of our loan being sold : Our next payment due was XX/XX/XXXX. I have a copy of thelast mortgage statement sent to us from XXXX XXXX reflecting this and will attach.When XXXX took over our mortgage they insisted we were due for XXXX XXXX. We tried to contact them several times via phone and were unable to get anyoneto understand they had the payment information wrong. Additionally, Our mortgagepayment changed financial amounts when being transferred to the amount we were toldwas due if we did not pay the escrow shortage. ( we have proof we paid the escrow shortageto XXXXXXXX XXXX  ) We continued to make our biweekly payments to them : for 2 months ( 4 payments ) and in XXXX XXXX we received a letter from Freedom Mortgage stating our loanwas getting sold to them and we were due for the XX/XX/XXXX payment. I have been in contactwith Freedom Mortgage giving them copies of our bank statements showing all paymentsmade for the 2 years, Copies of XXXXXXXX XXXX XXXXXXXX, copies of the mortgage statements.The response given to us was that they did not start servicing our loan until XX/XX/XXXX andwe would need to work it out with XXXX When we contacted XXXX with all ofthis information, who still has not provided us with a 1098 for the 2 payments made XXXX and the 2 payments made XX/XX/XXXX. They advise us they can not do anything as theysold the loan to Freedom mortgage and we would have to work out payment problems withthem as they own XXXX now. I've spent hours trying to resolve this on the phone aswell as through email contact. Freedom Mortgage is now rejecting our mortgage paymentsbecause they say we are several months behind and have also sent us a letter saying theyhave reported us to the Credit Agencies for nonpayment! Our records show that we are duefor XX/XX/XXXX!! Please Let me know if you are able to help with this horrifying problem and ifnot, whom we should contact. Thank you kindly in advance, Make it a great day.

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 2023-07-27
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
My issue is with XXXX XXXX XXXX Credit Card Services and XXXX On XX/XX/XXXX I clicked on an advertisement on XXXX for their XXXX  Visa Card from XXXX. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that XXXX XXXX XXXX had taken a Hard Inquiry from XXXX XXXX Experian. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to XXXX XXXX XXXX. 

I called XXXX XXXX at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for XXXX minutes before I disconnected the call, without resolution. 

Given that Neither XXXX XXXX nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.

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 2019-11-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time XXXX  and Equifax has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the 30 day investigation window allowed by the FCRA has expired.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$6800.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports 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 non-monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: CO
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 Fair credit reporting act XXXX  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 also states a consumer reporting agency can not furnish a account without 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 2021-05-04
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Coinbase, Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I added a bank account to transfer money because I had been using a credit card that had a weekly limit and after I initiated the transfer they restricted my account so that I can not buy or sell. I have contacted them through several means and the do not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXXXXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, Transunion, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.

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 2017-04-05
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage hit a 10 year anniversary that applied principle to a $ XXXX dollar loan that jumped my payments an additional {$3500.00} a month, now $ XXXX per month. In an effort to refi, my home has lost XXXX in value making impossible to refinance. I turned to Nationstar for a loan modification and was told that I was rejected not for be accepted to do the loan modification, they said the new loan would have a higher monthly payment. They will not disclose what the new loan would be or why they would not reduce the loan. If the original loan was re-applied, i could make the payments. We are doing everything in our power not to miss a payment, even draining our saving account. We are out of time. Nationstar will not work with me, the person that they assigned is just a document fetcher, no help at all. The call center just says, you where rejected and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: CA
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Equifax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back ERC Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Account number XXXX Date opened XXXX XXXX XXXX  Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX1 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice of mortgage transferal ( selling my mortgage ) from XXXX. They are selling my mortgage to Nationstar Mortgage LLC. The mortgage sale will be complete on XX/XX/XXXX. It is now XX/XX/XXXX. Nationstar Mortgage LLC has NOT provided a service transferring notice as required by law. They are well known for making a disaster of people 's transfer paperwork, not paying insurance and property taxes out of escrow, and have horrible online reviews : unless you go to a site where they pay money to be 'verified ' ( i.e. - the site allows them to remove negative reviews ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Paste what I sent you right here

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 2022-06-10
Company: Accelerated Receivables Solutions
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent to collections by XXXX XXXX XXXX XXXX in XXXX TN for an outstanding balance of {$140.00} that I was unaware of. As soon as I was made aware of the debt I paid the full amount online in XXXX of 2022. I spoke with an employee of Accelerated Receivables Solutions on XX/XX/XXXX and explained this. I asked for verification of the debt and provided them with the reciept of payment via email. As of XX/XX/2022 I am still receiving calls, messages, and texts from ARS attempting to collect a bill already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed a debt to Capitol One. On XX/XX/XXXX of this year I received a letter stating that I paid them through XXXX XXXX XXXX  the agreed a pun amount to settle the debt. They then reported to the credit bureaus I still owed a high amount of debt. I called them back and asked why, they sent me a letter dated XX/XX/2022 stating that they sent the credit bureau`s an update and it may take up to 60 days to reflect. On XX/XX/2022 They reported to the credit bureaus I still owed a high amount. I have the letters they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

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 2021-05-24
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US BANK - HELOC lending department, XXXX AZ XXXX After months of asking just one document at a time for our application, repeatedly asking for the same document after it was uploaded in their online system already. We received multiple alerts that our file will be closed in 5 days if we didn't submit the already uploaded documents. Our HELOC application was abruptly closed and we received a email saying we do not qualify for HELOC loans due to not being a GC holder or a US citizen. 

We have been in the states and hold a legal residential status and are eligible for loans/mortgages and credit lending for almost 15 years, never been denied a loan and our credit worthiness is exemplary. 

Strangely, we also have an EXISTING HELOC loan with the same bank and we were starting a new application for a better interest rate and adding an additional primary borrower on the HELOC. 

The agent made no attempt to clarify the legal status before carelessly closing the Application. After pointing out the issue personally to a local branch, no attempt was made by the bank to clarify the situation, address the complaint or even attempt a courtesy apology for inconvenience with some education on their guidelines for rejection of loan for my better understanding.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off! 

15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report

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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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