BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Greetings to whom it may concern, In accordance with the fair credit reporting act XXXX, Transunion, XXXX, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance

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 2023-06-15
Company: ACIMA CREDIT, LLC
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:
UPDATE TO CLAIM # XXXX ACIMA has been instructed to cease all reporting of my NON-PUBLIC INFORMATION to its NONAFFILIATED THIRD PARTY XXXX. ACIMA has responded with they have the right to do so because of an alleged proper agreement. In this agreement ACIMA FAILED TO GIVE ME EXPLAINATION AND GIVE ME THE OPPORTUNITY TO EXERICSE MY RIGHT TO DIRECT THE MANNER OF MY NONPUBLIC INFORMATION BEING REPORTED UNDER 156 USC 6802b ( B ) ( C ). 
ACIMA IS IN FACT A FINANCIAL INSTITUTION BY DEFINITION THERE FOR IS OBLIGATED TO MAINTAIN PROPER PROCEDURES TO PROTECT ME AND MY NONPUBLIC INFORMATION UNDER 15 USC 6801 WHICH THEY HAVE NOT. I AM EXERCISING MY RIGHT TO SIMPLY DIRECT THE MANNER IN WHICH MY NONPUBLIC INFORMATION IS BEING REPORTED IN THE FORM OF SAID ACTION BEING CEASED. ACIMA REFUSES TO DO BECAUSE THEY ALLEGEDLY HAVE THE RIGHT UNDER AN AGREEMENT TO WHICH FAILED TO PROVIDE PROPER DISCLOSURES THERE FOR BEING NONINFORCEABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance {$240.00}

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
Consumer complaint received 2019-04-08
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, I submitted a formal request asking that my mortgage company remove my Private Mortgage Insurance ( PMI ). I was told that this was not possible and I needed to pay the loan so that my loan to value ratio was at least at 80 %. Another solution was, since my loan was at 82 % loan to value ratio, they suggested that I get an appraisal ( {$500.00} ). I followed the instructions of paying additional money on the loan. In XX/XX/XXXX, I had a loan to value ratio of 75 %. I submitted my request again. Now they are telling me that are denying my request and I absolutely have to get an appraisal in order to remove PMI. This has been a disaster from the start. I got incorrect information from the loan officer who works for the company. I was told that once my loan to value ratio hit 78 %, the lender was required to remove my PMI. Now at 75 %, I am being told my other officials at First home mortgage that the only way for me to remove PMI is to pay for an expensive appraisal. I honestly believe that these individuals are preying on me because I am a first time home buyer and regardless as to how many classes I took prior to my purchase there are things that I just didn't know. I would really like help getting correct information on removing my PMI since I have shown " EXCELLENT '' payment history, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, THE ACCOUNT BEING DISPUTED HAS BEEN PURGED OFF MY CREDIT REPORT AND IT IS NOW REPORTING AS A DEROGATORY. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT AND HAVE IT REPORTING WITH THE CORRECT ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
When the pandemic hit in XX/XX/XXXX, I was current on my 30 years fixed rate mortgage that started in XXXX of XXXX. 

Because of financial distressed caused by XXXX, I went into forbearance for 18 months. At that time, my lender, Mr. Cooper, assured me that any months in forbearance would extend my loan by the same amount of months in forbearance. I was told this program was backed by the federal government. 

Recently, I successfully completed my trial period to emerge from forbearance. My lender, Mr. Cooper, advised they would be sending me paperwork for a loan modification. Today ( XX/XX/XXXX ), I received their paperwork and was astonished. Mr. Cooper kept my interest rate the same, added what seems to be the appropriate amount of money to the principle of my mortgage, and raised my monthly payment by ~ {$200.00}. That seemed reasonable. The only huge issue, is that they added XXXX more years to my maturity date! In essence, Mr. Cooper wants me to pay XXXX more years for missing 18 months of payments. That is insane. 

I called my lender and was basically told it was a take-it or leave-it deal without any rational explanation for the radical change in maturity dates. The most trouble part is that they only gave me 10 days to make a decision. I am retired senior citizen and am terrified the bank will try to take my decades-long home away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
As a consumer, Transunion has violated my consumer rights under the FCRA, numerous times. I did not give my written permission or instructions to furnish the attached negative accounts. I have requested documentation proofs from Transunion of my written consent to furnish the accounts and did not receive them, only was sent a copy of my consumer report as they always only send. 

15 US Code 1681 States I have a right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...

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 2023-06-06
Company: Experian Information Solutions Inc.
State: CA
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 is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX 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 2021-01-18
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX, I disputed the way Equifax reported on a collections account that I have been paying every month. Therefore, the balance is decreasing every month. The balance is currently {$15000.00}. Equifax 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if this was a new collection item. The score drops between 18 and 23 points when this happens. I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. I disputed this situation with Equifax on XXXX/XXXX/XXXX and when I made my XX/XX/XXXX payment, Equifax did not show the decrease in my balance from {$15000.00} to {$15000.00} and decreased my score on XX/XX/XXXX by 18 points with no other negative activity on my report. This report is about Equifax and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action/inaction in response to positive behavior. It is scoring my report as if a negative action took place or as if no positive action had taken place. This is a design, programming or other flaw in the system that needs to be addressed. The people involved are myself and Equifax. No individual has identified themselves from Equifax in their response or lack of response. They promised a response by XX/XX/XXXX regarding this matter and NOTHING has happened. Nothing changed. Their response is still pending. Today is Monday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX Office Of attorney general, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2021-01-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX I retrieved a copy of my credit report and discovered multiple inquiries that I have no knowledge off. I had called equifax to file a dispute for unauthorized inquires on my credit report. Equifax told me that they're factual and they will remain for 2 years. I told equifax I didn't apply and then I asked can you please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Movement Mortgage LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Company : Movement Mortgage XXXX XXXX From : XXXX XXXX and XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX Escrow payments are too high. With the exception of XXXX XXXX escrow amounts are well beyond the two month cushion rule. They are withholding amounts leaving a balance as follows below. They will not respond. 
XX/XX/XXXX Escrow Balance is {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00} ( this is the escrow payment I am charged each month. 
XXXX escrow balance {$1400.00} XXXX escrow balance {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00}. 
XXXX escrow balance {$1400.00} XXXX escrow balance is {$1800.00} XXXX insurance payment of {$1500.00}, which will leave a balance of {$650.00} in the escrow account. Which is not quite a 2 month cushion assuming their escrow payment per month of {$390.00} is right. 
Then in XXXX and XXXX of each year tax payment of {$1100.00} are made, and insurance is paid in XXXX of each year of {$1500.00}. 
Escrow balances starting in XX/XX/XXXX and each month thereafter, with each escrow payment from us of {$390.00}, and the taxes and insurance payments are as follows... 
XXXX, XXXX $ {$1000.00} XXXX, XXXX {$1400.00} XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1400.00} ( insurance payment ) XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) The escrow balance keeps rising until XXXX of XXXX they are holding {$5400.00}. With one exception, their escrow amounts required of me are far more than a 2 month cushion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the third time I have had to dispute the account that was illegally re-aged MIDLAND CREDIT MANAGEMENT # XXXX and place on my credit file. I have filed a FTC ID theft report and a CFPB compliant. I have never done any business with MIDLAND CREDIT MANAGEMENT. Please remove this account at once. I have no problem with filing a LAW Suit against MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Tuesday XXXX I tried to logon to my account with Chase Bank . Was informed account has been restricted due to suspicious activity. I called number given and was told two deposits had been attempted to put into my account for a third party. I told them that I have never heard of this person and these deposits weren't done for my benefit. I had no knowledge of any of the details. I asked them to remove said deposits from my balance and I wanted all of my money that was mine to be returned to me A.S.A.P.. They said I would have to contact third party that made deposit to verify legitimacy of deposit. This is not my place! Now XXXX I'm told another transaction that was completed in XXXX of this years is in question. They have with held over {$9000.00} of my money that had been deposited legally and has been processed. I can't get a straight answer form anyone that I have talked to in person and on the phone. They say that deposits could be fraudulent, but they have been verified previously. This is all my life savings which includes both checking and savings account balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went online to purchase a bedset ( comforter set & pillow cases ) shower curtain, bathroom rugs, toilet cover etc. The bathroom set was {$84.00} and the bedroom set was {$120.00}. The purchase was placed around XXXX XXXX. I actually sent a email on XX/XX/XXXX trying to get an update on my order. They responded with a link to track my order which i could not track my order with. Tried to call the retailer by phone which i got no reponse. So waited to give it more time. Tried calling other times again no response. I finally reached out to Chase to report as fraud and they said they will investigate. I sent them the all the info i had. Then they responded with info saying that the order was placed in XX/XX/XXXX when clearly I have paperwork showing i reached out to the customer in XX/XX/XXXX to get a update. The customer must have gotten things mixed up. I reached out to the customer again in XX/XX/XXXX to let them know to keep the product and just give me a refund, its been entirely too long. So they sent me another tracking number to track the product. Ive also called XXXX XXXX to track the product and was told that number dont exist on three different ocaisions. The back and forth went on between me and chase for over 8 months. I talked to a chase manager and told her the situation. She agreed that i should have never been charged and the case should have never been closed with out a resolution. She then told me she would take care of it. But once she transferred me to the next person for the next steps everything just seemed to have been forgotten about. When i called back i was told to submit my findings which i did with a letter. I did that twice and still no resolution. None of their tracking numbers were valid and Chase still dropped the ball. I was told that I only had a certain amount of time. I dont understand why there is a certain amount of time when there is fraud being committed. Is that why people get away with fraud cause they know its only going to last a certain time and then they walk away with money? Till this day XX/XX/XXXX I still have not received any product and Chase will not review the case. I have been a customer of Chase for a very long time and dont understand how this was just overlooked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company XXXX, I have never heard of this company before let alone know what they do, they say I opened an account with them 7/8 years ago in which I did not, asked for proof they told me they sent nothing ever received in the mail or email pertaining to this. Worked with XXXX  to get this removed off of credit because it meet the statue of the 7 year limit because it has hurting my credit in the collections portion, Ive tried for years to get this removed got it and now its back on my credit as if I opened another account and didnt pay this fraud and identity thief I believe my information was sold on the web. Im going to be buying a home soon and this hurts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NJ
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 am requesting again in regards to the unauthorized inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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

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 2021-01-18
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: Information belongs to someone else

Complaint:
I noticed that 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, disrespected but the customer service rep 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! I can not accept this!

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