BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company has misappropriated my funds and refuses to make the necessary corrections. This company has made a ***false*** negative report to the credit bureaus. This mishandling of my payments is nothing short of pure incompetence as I have made the payments on the phone and with very detailed instructions on each call that I need the payments applied to my account properly. On each call I was assured this would be done, yet here we are well over a month after I tried to keep this VERY THING from happening as I'm fully aware of the incompetence this company seems to be allowed to operate with. 

XX/XX/2021 - XXXX ' mortgage payment made on time and in full ( misappropriated XXXX, no idea where the payment was applied to XX/XX/2021 - escrow shortage payment made on time and in full to a live representative ( misappropriated ), no idea where the payment was applied to. The escrow shortage is due to a property tax increase. 

XX/XX/2021 - XXXX ' mortgage payment made early and in full to a live representative ( misappropriated ), no idea where the payment was applied to. 

XX/XX/2021 - received a check from these people stating there was an overpayment for the escrow shortage. 

XX/XX/2021 - received a late notice letter stating I am late on payments and I owe XXXX to include a XXXX late fee. 

XX/XX/2021 - called in and spoke to XXXX id teller # XXXX at XXXX CST. I went over EVERY DETAIL of how I have called in to make payments over the phone in order to advise on where I need my payments to go so I could keep this very thing from happening. XXXX verified everything I have described in this complaint to be true and accurate and stated he would call me XX/XX/2021 when the corrections were made. No contact from this person ( SHOCKER ) so I am requesting a full investigation of this severely incompetent company ASAP. 

To be clear : I have no late payments at this time and I have NEVER made a payment late on this mortgage account and this was verified on the call with XXXX XXXX XX/XX/2021 ) at XXXX CST. Also verified on this live call that the payments are received and on time and in full yet no one knows where the money has been applied or why this is happening.

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 2024-01-09
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX and their debt collecting agencies credit control llc dba credit control and XXXX XXXX keep sending me letters stating that the debt is not paid when they acknowledged it was paid and even took the money out my account. I received another letter today for a debt that I do not owe.

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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.

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 2021-06-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LAKEVIEW Loan servicing by XXXX has not paid my insurance which is escrowed. I only found out because I got a notice from my homeowner 's insurance company that my policy has expired. I called XXXX and they told me it was my fault because I did not send them the bill. I have never sent the mortgage company a bill EVER in owning multiple properties until this horrible company bought my loan. I uploaded a copy of my insurance to XXXX but they still haven't paid it. I made a payment with my own separate money to my homeowner 's insurance to protect my own interests but I don't know when I will ever get that money back. This company if fraudulent at every chance they get to steal money from consumers.

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2022, XXXX XXXXXXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: TX
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-05-28
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Its a two part problem but both involve mismanagement of monthly payments First, I received an annual escrow shortage bill in XXXX, I opted to pay the shortage to keep my payment low well the person who took my payment over the phone placed the whole sun in escrow thereby increasing my monthly payments, remember I did this Over the phone so that the payment would be applied to keep monthly low. 
Second I made the mistake of making payments before my due date, well the system or a person, unauthorized by me place my payments in principle only Column. And then preceding to short my account for 2 months. I was reported to credit agency and HUD for counseling.I called and some payment were fixed but Im still missing a month! Ive called multiple times, theyve lied to me, delayed by telling me it would be fixed next week and nothing has changed Ive written and called multiple times, Ive also asked for an audit to no avail .I dont know what else to do and I dont want to keep calling being a giant waste of time. freedom Mortage is the company

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 2023-12-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 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 1681 C ( 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 with antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX  ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 non-monetary relief
Consumer complaint received 2022-03-01
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: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-01
Company: Experian Information Solutions 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 XXXX XXXX  Account number : 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Update to previous complaint mailed XXXX XXXX. My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view my attachments as they will explain my complaint and verify my identity.

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 2021-05-29
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2021 Sirs, I have been using Us Direct Express, underwritten by Comerica Bank, for over ten years, and now experiencing major issues with the service and support from this company.

The issue I have with US Direct Express is that for the past few months, Direct express has denied me the ability to transfer funds though their website and telephone service, to any one of my current bank accounts.

I have tried as least a dozen times in the past three months to transfer small amount of funds ( {$25.00}, {$50.00}. {$100.00} etc. ) without it being rejected and being credited back to my account. 

As a XXXX person XXXX  XXXX, I am not able to leave the house, especially during Covid, and find an ATM. I cant pay my bills and expenses though Mastercard, and dont want to carry large amount of cash for security reasons, and go into my bank with large amounts of cash, and be accused of laundering money. 

I have spent hours on hold trying to talk to someone at Direct Express as to see if there are any hold or issues with the card, or myself, as I have been a holder of this card for almost ten years without any problem or issue.

The time I did finally get through to someone, I spoke with a woman who was pleasant enough, but would not even look into my problem, but just read a how to statement on the process of transferring funds from the Direct Express Mastercard to my bank account. She refused to address my issue and the call ended.

I even opened a checking account at Comeria Bank, thinking this might work as the card is issued by Comerica, but it did not go through.

My creditors do not accept Mastercard as a payment for bills and expenses due. The only thing I can do, as of this date, is withdraw cash, but for security and access issues, make it near impossible to use the funds deposited on my Direct Express Mastercard.

I dont know what I can do further to fix this issue, but quite frankly, the service from Direct Express has deteriorated tremendously over the past few years, and according to my research on search engines, I am not the only person who has issues with this company.

I am hoping by contact the CFPB, I can fix my issue, and go back to using the Direct Express Mastercard in the manner it is advertised and described on the Comerica Direct Express, and Treasury website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am writing this complaint in reference to XXXX account ending in XXXX, with a remaining balance of {$0.00} ; which was satisfied on XX/XX/XXXX with the agency that the account was sold to, XXXX XXXX XXXX XXXX. My complaint is with Experian as I have disputed the incorrect information with them several times within this past year and they do absolutely nothing to correct and remove the negative tradeline per FCRA guidelines. Also, instead of following applicable Federal FCRA laws and removing the account due to multiple reporting inaccuracies, Experian takes my dispute and sends to XXXX, who in turn does absolutely nothing. I as the law abiding consumer get left holding the bag for interconnected oligarchs that commit financial crimes. 

Lenders and finance companies that I apply to deny me funding due to the negative collection account that XXXX reports to Experian and XXXX. In addition, XXXX has written this account off on their taxes shortly after the year XXXX, sold the account to another agency that I paid off, yet falsely represents this account as themselves being the debt owner. Experian reports on my credit file for this account as being 120 days late in XXXX of XXXX, then 120 days late in XXXX of XXXX which is mathematically impossible as this is only a 30 day time frame I disputed this with Experina 4 times since XXXX of XXXX. This is a FCRA " Metro 2 '' Compliance violation. Date of last Activity is XX/XX/XXXX yet Experian reports this information as XX/XX/XXXX, which is incorrect and another compliance violation. The text in the comments section state that this account was sold to another lender, yet they do not list who the lender is which is another FCRA metro 2 violation. The Original creditor field is also left blank. They are not only hurting my credit file but they're also breaking consumer laws with no justification for doing so and have not given any explanation for doing so until this day of XX/XX/XXXX. All relevant documents that prove my claim have been attached to this complaint. I need this account removed from my Experian credit file immediately upon receipt of this complaint due to multiple FCRA violations including incorrect, incomplete credit entries, and making false representations of historical credit data.

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 2021-05-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In XX/XX/2021 I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We wired money to Crypto.com via XXXX XXXX XXXX  in XXXX. The transfer was undeliverable due to an error ( that we made ). Assured the wire would reject and bounce back as there was not a legitimate account for the money to be deposited we had done all we could do. After 12 days Crypto.com is still holding the funds. Countless email conversations with their robotic customer service team nothing has been resolved. The amount of the transfer was {$13000.00}. It is impossible to actually speak via telephone with anyone with Crypto.com. Is there an actual time period in which any entity can hold funds until it becomes a crime? They have admitted that the money is rightfully ours and will be returned at some point. They have refused requests to get management or any administrative person involved. A company of this caliber should have some reasonable means to communicate with customers. This is totally unacceptable. At this point legal action will be taken. 
Reaching out to the general customer service email or chat will not prove fruitful. CFPB will need another method of contact for any action to be taken.

Company response to consumer: Closed with non-monetary relief