BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Agency act XXXX, XXXX, and Experian have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my credit.

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 2018-05-22
Company: Jefferson Title Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Tips for Getting Started consumers financial protection from fraudulently illegal Hearing of Default on mortgage, Jefferson Parish Sheriffs mortgage and conveyance office notice mailed by XXXX XXXX XXXX causing National FBI game Forced by Jefferson Parish constable,  Jefferson Parish Sheriff XXXX XXXX, and XXXX XXXX spends fair housing funds on 30,000 plastic cups, 23,000 pens, and 19,600 keychainsIllegally and fraudulently do to ADA by 2nd parish Jefferson state of louisiana illegally locked Homeowners XXXX XXXX XXXX wife XXXX XXXX XXXX and XXXX out of out of house On XX/XX/XXXX bybJefferson Parish Sheriff 's Office and Jefferson Parish Constable along with XXXX XXXX XXXX and XXXX XXXX stated that they are the orders signed by XXXX XXXX XXXX deputy clerk of court and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to serve and give family 10min to get out of location XXXX XXXX XXXX XXXX Louisiana at XXXX XXXX on XX/XX/XXXX to  illegally and fraudulently evict Homeowners XXXX XXXX XXXX And XXXX XXXX and grandchildren out on the streets of their own home by threaring to arrest and put grandchildren in foster care imposing a illegal tax evasion to discriminate against locking Homeowners out of their mail stop permanent residence registered mail delivery first class profiles and records transferred to United States Department of labor , Jefferson Parish Clerk of Court and juvenile intake Center, Jefferson Parish Family court and Jefferson Parish Sheriffs office fraudulently illegally withholding Unemployment status injuries Personal injury lawyers Law firm Annual Scores, scholarships, XXXX XXXX XXXX XXXX final notification providers management services XXXX XXXX ADA XXXX XXXX team Staffing wealth data breach on permanent payee payments profiles mail stop delivery address Homeowners update existing capital terminology, in particular to introduce the term 'Total Capital Requirement ' ( TCR ) to refer to the amount and quality of capital a firm must maintain to comply with the minimum capital requirements under the Capital Requirements Regulation ( XXXX ) ( XXXX ) ( XXXX ) and the XXXX XXXX capital of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail stop delivery perment profiles address XXXX XXXX XXXX XXXX , louisiana XXXX XXXX moved to safe storage unit # XXXX due to homelessness

Company response to consumer: Untimely response
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is a continuation of my original complaint ID # XXXX submitted on XX/XX/XXXX. First of all ; my mortgage held by Bank of America isn't an actual mortgage it was originally an equity out interest only line of credit that matured after 10 years into a fully amortized first mortgage. I had already paid off my first mortgage with XXXX. In early XX/XX/XXXX Bank of America demanded Wind Storm insurance coverage in the amount of {$730000.00} that was approximately {$470000.00} over the amount owed on my mortage. They took my additional Fire and Casuality insurance coverage amount of {$730000.00} provided by XXXX XXXX. I ensured my home for the {$730000.00} amount last year because the price of building materials were moving up in XXXX and the cost of Fire and Casuality insurance was very cheap. When BofA wanted the {$730000.00} in coverage it was over the maximum allowable amount that XXXX 's would insure. Since XXXX XXXX XXXX was the only insurance company that would write a wind storm policy in XXXX Florida I had no choice but to reapply with XXXX at a lower insurable value. As a result, it consisted of furnishing a 4 Point Inspection, Wind Mitigation Report on my home and a 30 day grace period before the insurance went into effect. This is the reason for the lapse in my insurance coverage. My new Wind Storm policy coverage with XXXX is for {$580000.00} or the most recent replacment cost of my home. BofA insisting on {$730000.00} in coverage is the reason for my lapse in coverage which allowed BofA to gouge me of the unbelievable amount of {$9700.00} for Wind Storm coverage from XX/XX/XXXX through XX/XX/XXXX. Considering my nearly 25 years of being a BofA customer one would think that they could mitigate the {$9700.00} lower or eliminate it all together. After all, my Fire & Casuality insurance with XXXX XXXX never lapsed and their wasn't any mentiuon of requiring Wind Storm insurance in my original loan documents. I argued the fact that Wind Storm was never mentioned in my loan documents with BofA 's XXXX XXXX and she said it was under " Extended Coverage ''. I found no mention of " Extended Coverage '' in any of my loan documents.

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 2018-05-22
Company: American Recovery Service Incorporated
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt with XXXX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency ARSI ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call XXXX because the file is no longer with them. I called XXXX and was told to call ARSI. I called ARSI and was told to call 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information XXXX XX/XX/22.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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, also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-11-09
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/XXXX I sent a dispute letter by certified mail to Equifax. Tracking number # XXXX. Disputing an unauthorized inquiry. ( 1 ) by XXXX on the date of XX/XX/XXXX. ( 2 ) XXXX XXXX XXXX on the date of XX/XX/XXXX. I contacted both companies asking that the unauthorized Inquires by removed from my credit report. I was informed that Equifax Held the authority to remove the unauthorized inquiries from my credit report. On XX/XX/XXXX I called Equifax to see if they had received my Dispute letter. XXXX the Equifax representative informed me that my dispute letter had not been, nor could he remove the unauthorized inquiries from my credit report. I'm seeking to have this matter resolved. 
These inaccuracies are hindering me in many ways. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Agency act Transunion, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my credit.

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 2022-05-28
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  account # XXXX XXXX XXXX  XXXX furnished by XXXX, Experian, and XXXX has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.

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 2018-05-21
Company: Guild Mortgage Company LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My Parents are first time home buyers. The Mortgage Company is Guild Mortgage ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, IL XXXX ; XXXX Office ; XXXX Cell ; XXXX XXXX Branch Manager. 


My Parents went to XXXX XXXX 's office on XX/XX/XXXX to sign the Mortgage Papers, at that appointment XXXX reassured us that the Interest rate which was 4.25 % and the Payment which was {$590.00} WOULD NOT INCREASE BECAUSE WE ARE LOCKED IN. Our first closing date was XX/XX/XXXX, It was Cancelled by XXXX due to a glitch in the Deed of the home and had to be fixed before signing. After many calls, and emails, and text messages trying to find out when the closing would be, it was pushed to XX/XX/XXXX. We said ok, then got another message saying no closing on XX/XX/XXXX. No reason why, just couldn't do it. My parents went to the closing on XX/XX/XXXX. NO IDEAL anything had changed, signed the papers that was handed them without explanation, Then when he was leaving the closing, told us that the Interest and payment went up, I called it to his attention that NO WAY they could go up because you SWORE to us nothing would change. My parents are on a fixed income, ages XXXX & XXXX and had done budgeted the original mortgage. The Interest went up to over 5 % is what he told us, and the house payment went up to {$650.00}. 

This man knew that the Interest and payment agreement ran out on XX/XX/XXXX and never once told us. NEVER called my parents home, never sent a letter, email or text. WE are OUTRAGED. My parents also qualified for the XXXX County community Development ; XXXX XXXX XXXX ; XXXX, IL XXXX ; for the amount of {$4300.00}. Seller was responsible for closing costs. We had been told that my parents would receive a check at closing and could be used towards the update on the home. 

My parents have been lied to, taken advantage of, and I am outraged. They never received a penny from closing, they also had to pay an outstanding tax bill in the amount of {$3000.00} and an outstanding Sewer bill in the amount of {$270.00}. NO ONE TOLD US ANYTHING ABOUT THIS OR WE WOULD NOT HAVE PURCHASED THE HOME!!!!!!!! Closing cost went from {$4200.00}. to over {$8000.00}. HOW in the world doe they get away with this???? ALL LIARS. My parents are on a fixed income like I said, and to someone like XXXX the extra {$70.00} dollars isn't much, but when you go without food so that you can purchase your husbands XXXX at over {$300.00} a month, that {$70.00} dollars adds up. We will stand behind anyone that will get this company for the pitiful lies they tell people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act Convergent Account # 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 non-monetary relief
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have ONLY gone by either XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, my entire life of XXXX yrs. Not XXXX or 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 2019-03-30
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: Credit inquiries on your report that you don't recognize

Complaint:
In 2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
You TRANSUNION are reporting inaccurate and incorrect information on my consumer report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. You and your inaccurate reporting has damaged my livelihood. I have already disputed the accuracy of my credit report with the other credit reporting agencies and deletions have been made on their end ( XXXX ) and your agency should have been notified of the deletions. According to 15USC 1681i ( a ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The information you are furnishing is inaccurate and in accordance with the law needs to be deleted off of my consumer report. 15 USC 1681i ( 5 ) ( a ) states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

YOU HAVE NOW BEEN PUT ON NOTICE. 15 USC 1681n ( a ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Further furnishing of these disputed inaccuracies will put you in violation of 15 USC 1681n ( a )

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 2018-05-21
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loans are with XXXX XXXX. Have miscalculated my payments for the Public Service Loan Forgiveness, have not capped interest as a veteran/XXXX XXXX service member and based payments on gross income, not adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. My payment due date is the XXXX of each month, of which I am making my payment on the due date every month. My account was recently compromise so I was reviewing my statements and noticed that I am being charged a {$38.00} late fee every month, even thought I am making my payment on its due date of XX/XX/XXXX. I contacted comenity capital bank and was told that although my payment is made on its due date of XX/XX/XXXX. It doesn't post until XX/XX/XXXX and is considered late. XXXX has never sent me any written literature of the numerous late fees nor have they contacted me in regards to the payments being late. I spoke with an account supervisor who informed me that they are only empowered to make one of the six late fees adjustment. I feel that this is blatant unfair business practice against the consumers and if the company gives a due date of the XXXX of the month, I should not be charged a late fee because I made a payment after XXXX on the XXXX. Can you please assist with this issue Thank you Mrs.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX XXXX XXXX XXXX ( along with the other two inquiries. )

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 2022-11-26
Company: Experian Information Solutions Inc.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/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