BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was issued an insurance check for {$10000.00}. This check required the co-signature from Freedom Mortgage. 
In XX/XX/2023, I mailed both the check and the full adjusters report to them. After which I didn't hear anything back from them, or on my file thru the website. I tried by phone to contact someone several times who can help and every time I got delayed, disconnected and hung up on while transferring my call. 
On XX/XX/XXXX, they finally responded to my email requests : " Your checks were submitted for endorsement on XX/XX/2023. Please allow 6-8 business days to process and mail. The check will be sent back via USPS which can take up to 14 business days to arrive. '' But they took so long the check was expired before they co-signed it. 

On XX/XX/XXXX, I received the now expired co-signed check. 

On XX/XX/XXXX, I emailed them stating : " I need to have the replacement check signed too. The original expired and can't be cashed or deposited. You still have all the documentation as I do not have another copy. It is the same claim and amount. How do I send it? '' On XX/XX/XXXX, they replied : " Notes added to claim. Please mail endorsed check to : Freedom Mortgage C/O PFIC Attention : Loss Draft XXXX XXXX XXXX XXXX XXXX XXXX '' After several days dealing with the insurance company for a replacement, on XX/XX/XXXX I mailed it to them. 
Only after waiting a long time again and hearing nothing, On XX/XX/XXXX I sent them an email stating : " I sent the replacement check to the address 2 weeks ago. Can you give me an update as to when I should expect it back? '' Then on XX/XX/XXXX, they replied : " We are in need of the full updated adjusters report from your insurance company, please reach out to your adjuster and request a copy be sent to this email address. '' They signed an EXPIRED check, left the claim open for a replacement and then did a 180 and requested a separate full Revised adjusters report with duplicate information that doesn't exist. It doesn't makes sense. They have the original report and nothing changed. The issue is they signed an check that was expiring under their possession and they are supposed to check that along with the documents I previously supplied and enter that information into the claim report. They should have notified me about the check expiring. I told them after the bank wouldn't accept it. It should have been a simple check replacement. 

This is unprofessional conduct and results in harassment.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NC
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 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX UT XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Paramount GR Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I will not go into the backstory of how XXXX XXXX got us into this mess. Or how we were cheated by XXXX XXXX. This is a complaint about goodleap. However, I believe and at some point I believe it will be proven if the powers that be will investigate that XXXX XXXX and goodleap were colluding with each other in an alliance to get people who could not afford the loans to believe they could with promises of rebates and the payments of first year on them ( XXXX XXXX ) and the huge federal rebate we would get along with not only not having an electric bill but selling our excess back to the electric company. So we were talked into getting more panels to sell more electric and get a larger rebate. This all started in XXXX of XXXX. We did not fill out a loan application. When we realized we were not getting either of the two rebates we were promised the Goodleap pointed out to me in their email exactly where it said they were not promising a rebate and that it says to contact a tax expert. Now to me that proves up front they knew we were getting nothing. Why would that need to be in there. I started doing research and apparently this company gas a history of this type if bad faith loans. I later heard they put a lien immediately on the solar on your roof so if you sell your house they get paid off. So i checked. They put the lien on immediately. No waiting period. Just poof- a lien . No late payments-nothing. Them i checked my credit score as I regularly do and found out I now owe more than when I started. So we owe around XXXX on nothing. We own our home. Cant sell it. Dont have solar. Greenleap knew exactly what they were doing. When they payment balloons at 18 months because there is no rebate to keep it low. We will have to file bankruptcy. We can not make that payment. If they checked our credit they knew we do not owe taxes and that taxes is where the rebate cones from. We did not. We thought it was a government incentive. We offered a payment plan to them based on what we can afford no answer from them. I have filed a complaint with XXXX They have responded with ridiculous solutions that are not acceptable. I would like this company to be investigated and I ask to be released from this loan that should be illegal. My husband is XXXX and i am almost XXXX. We are going to lose everything due to their deception. Please help us.

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 2023-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This issue happened on XX/XX/XXXX I deposited a payroll check via mobile deposit, the bank released {$300.00} ; the next day, Saturday I called the bank to check the status on releasing the remaining funds due to the holiday and I was told that the funds wouldnt be released that day but on Sunday a portion would be and on XX/XX/XXXX the remaining balance. Later on the night I received an email approx XXXX XXXX saying that I received a message and I needed to respond immediately ; I logged in just to find out that my account had been restricted. I talked to I believe every person in the department ; Once I realized what was happening I immediately explained that I had gone to a different institution and their hold time was two weeks out and I explained to CITI BANK, I was advised that they needed to speak to the payroll department to verify the issuer. After so many attempts I then finally get some one from out accounting team who could help ; the next representative I spoke to was able to connect to XXXX from our accounting to team to verify the information- once she got back to the line with me she asked was the number connected to a business I said Im sorry she asked again was it connected to a business I was like I gave you what I was provided and then I asked were you able to get the information? She then said yes and I told her that I was going to place her on hold so that I can contact the person.I reached her and merge the calls and let her know that the rep from the bank asked was the phone number connected to a bank and she placed us on a long hold with the music playing eventually I disconnected the call ( prior to her placing me on hold she advised that they couldnt release the funds ) basically insinuating that I was lying and there was fraudulent activity, at the point I felt racially profiled against and this isnt the first time that this bank has treated me differently I know for a fact because the last incident I had my XXXX  friend to call back and ask the same question and she was given information to whereas I was informed that they no longer participated in that banking product. Any way I feel humiliated not only because of that but because I received an emailed stating that I violated the bank policy and that is inaccurate as they violated me and my rights as a XXXX 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 2021-01-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, INC.
State: OK
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:
This complaint involves three parties : - XXXX XXXX XXXX ( ie. XXXX XXXX ) - XXXX XXXX XXXX - Equifax During XX/XX/2018 I relocated from [ city in ] Alabama, to [ city in ] Oklahoma. Prior to my move, I contacted Charter to disconnect my internet service and was told at the time it couldn't be done without some information located on my network router. I told them I would get back with them when the router was in my possession ( as I did not have it with me at the time ).

During my move, I had the router with me in the car ; so during a stop for fuel, I called XXXX and informed the representative assisting me of my intentions to disconnect services. I informed them that I had called once prior but was unable to due to lacking the information from the router - but that I had it now and was ready to proceed.

The representative in question was audibly confused by this, and stated that there was NO REQUIREMENT for me to have the information from the router the first time I called. She added that she was not sure why it would have ever been requested for a disconnection ; but that she was willing to assist me with getting it done during our call.

She then looked up my account and informed me the service would be disconnected as requested, and that NO ACTION was needed on my part. She added that they, in fact, OWED ME MONEY and that they would be issuing a check for it to my new address.

This is the last I heard from XXXX directly.

I never received the check for money owed to me ... What I did receive instead ( in a manner of speaking ) was a credit monitoring alert, this XX/XX/XXXX, that a collections account had been added to my report by XXXX XXXX XXXX for the amount of {$34.00} with XXXX listed as the client.

This collections account appeared on two of my reports : - One with XXXX - One with Equifax I disputed both of these ...

The dispute with XXXX was resolved in a matter of days, and the account in question REMOVED from my respective report.

The dispute with Equifax however, was filed XX/XX/2018, and it was not until TODAY ( XX/XX/2018 ) that I received notice that the dispute was completed. According to Equifax 's provided documentation, however, this dispute was completed XX/XX/2018. No explanation was provided as to why it took 24 DAYS following the apparent completion of the dispute to inform me about it.

The result of the Equifax dispute was " The information you disputed has been verified as accurate ''.

I fail to understand how this is possible, when the information is not only inaccurate, but outright fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Getting double charged on interest XXXX XXXX bought over GAP CREDIT CARD my previous balance on XXXX Gap Credit Card ACCOUNT & my current charges which stands for ( PB past charges or PIOR BALANCE ) on my old Gap Credit Card Account interest then XXXX Bank combine the interests with the current interest XXXX XXXX XXXX XXXX  ) of XXXX interest charges consider the current use of GAP CREDIT CARD! on my credit card! 
I am getting charged double interest : 1. ) PU Stands for current purchase 2. ) PB stands for previous balance from my XXXX  GAP CREDIT CARD merge credit card when XXXX Bank bought this card company over XXXX getting double interest charge!

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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, XXXX, and Transunion regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.

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 2018-02-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.

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 2020-08-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
My name is XXXX XXXX and on XX/XX/2020 and XX/XX/2020 I sent a letter disputing a collection account asking for verifiable evidence that the XXXX collection accounts they are inaccurately reporting. The name of the collection agency is ARS Account Resolution, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida. The company has not been able to produce verifying evidence of the debt bearing my signature which is the legal way of a method of verification. They continuously send the same pre-drafted response.

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 2020-02-14
Company: Resurgent Capital Services L.P.
State: IL
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've been disputing with XXXX on an existing debt collection account ( LVNV Funding ) that they keep reporting. XXXX   and XXXX  have deleted this account due to unverifiable documents while XXXX  continues to respond that the account is verified. I've disputed online and and recently via mail. How can XXXX  continue to tell me this account is verified when no documentation has be sent to me and the other two bureaus immediately deleted the account due to unverifiable documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have been a victim of identity theft so the application process is much intense than when someone without the same circumstances apply which is against my rights I should be treated the same as a regular consumer

Company response to consumer: Closed with explanation