BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX : Closed on a house using a mortgage company XXXX : Mortgage company used an escrow account to pay for PMI each and every month. ( I have documentation to the fact and they have even provided me with a statement saying that as of XX/XX/XXXX the PMI was good through XX/XX/XXXX. ) XXXX : Mortgage company sold my mortgage to Freedom Mortgage Corporation. 

XXXX - XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI each and every month. 

XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI TWICE. 

XX/XX/XXXX : I was alerted to this overpayment by a yearly escrow statement where they are raising my escrow payments about $ XXXX/month. I called and asked them about the double payment and was told that there was a missed payment in summer of XXXX when I asked for more details ( because this made no sense to me ), I was transferred to someone else who confirmed the missed payment was in XX/XX/XXXX. When I disputed it with documentation from previous mortgage company, I was then told that the missed payment had occurred in XXXX. 

XX/XX/XXXX : I formally requested ( in writing via the online portal ) four items to figure out where the missed payment actually occurred and to get information regarding the service provider for the PMI ( so I could get them to confirm/deny the missed payment via a statement from them ). 

XX/XX/XXXX : Freedom Mortgage Corp is refusing to provide the PMI contact information but has provided a " detail history '' of the escrow account. The detail history is full of errors. Not the least of which is that their records do not line up with the IRS 1098 Mortgage Interest Statements for any of the three years involved. ( The records Freedom Mortgage Corp has are short {$1300.00} - amounting to 5 PMI payments. ) I have asked them for more details regarding the double payment to figure out why they double paid and they are unable to explain or credit it back to my account. They are also refusing to budge on the raise in monthly escrow payment amounts that I will be owing in the near future. 

In addition to all of this, they over paid my property taxes ( and I have yet to see a refund on that ). 

Freedom Mortgage Corporation is unwilling or unable to properly maintain my escrow account. 

Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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 XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a 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 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 2023-10-23
Company: CIG FINANCIAL LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is this possible if both of the accounts are charged off and both accounts have a past due balance. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given the credit bureaus written permission to furnish these accounts on my credit report as well.

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 2023-05-10
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-11-24
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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the following account : Account Name : XXXX  XXXX XXXX Account number : XXXX XXXXXXXX with TransUnion XXXX XXXX, and XXXX XXXX multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family. 

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly. 

Also, 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. 

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 crimea which antedates the report by more than seven years.

15 USC 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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence attached to prove my case.

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 2023-07-24
Company: Keystone Law LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I was mailed a collection from Keystone Law LLC in the amount of {$2200.00} ( including interest ). The company is trying to collect a debt on behalf of XXXX XXXX XXXX. Upon contacting the XXXX XXXX, I discovered I have no outstanding balance, no collections, not even a charge in the initial amount before interest of {$1800.00}. XXXX XXXX XXXX said they never reached out to a collection agency and that they dont use Keystone Law LLC as a collection agency either. I have asked KEYSTONE to remove the debt multiple times and they state that they can not, the XXXX XXXX must do so. I have written a letter asking them to validate the debt and provide documents and they have not responded.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am not able to get equifax to lift my credit freeze. I've provided everything they asked for three times. Their web site does not work, nor does their phone, nor does their fax, nor does U.S. mail. I can not apply for a credit card because of the freeze they have on my information. They sent me the form letter twice asking asking me for information that I've already sent to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Its been 9 months, per tracking and no investigation performed nor information requested given. The accounts referenced in the attached have been re-added and re-aged without my knowledge as well as accounts, such as XXXX XXXX, were disputed and I didnt request during dispute. I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed 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 2018-10-23
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

I told XXXX and Transunion reinvestigate these accounts : Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. Also I filed identity theft and furnished a police report with my letters to each agency. XXXX  is the ONLY bureau that is updated and correct and does NOT have any of these accounts listed above. How can one bureau hold the correct information but the other two have complete misinformation.

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.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I have attached my updated XXXX and previous letters to XXXX N Transunion

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 2023-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The following debt collection agency Portfolio Recovery Associates , LLC has not validated the debt they are also not licensed in the state that they reside in according to XXXX XXXX XXXX this means they are collecting debt illegally also this debt is reporting to an address located in XXXX XXXX XXXX XXXX XXXX FL XXXX I am not associated with this address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hey i recently sent in a lot of letters starting all the way back from XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX and im still in the process of getting all of the negative items off my credit report. The credit bureaus keep sending me " stall letters '' in the mail and " verification '' letters and i recently sent them a " method of verification '' letter in the mail and a " failure to respond '' letter also in the mail since they didnt respond to the letters i sent all the way back in XX/XX/XXXX, so i dont know what to do at this poin. I would really appreciate your help at this point. Thankyou for your time and have a wonderful day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 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 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$44000.00} XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

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