BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made my first payment on our new mortgage with Freedom Mortgage - I wanted to setup recurring semi-monthly payments ( offered on their website - mobile and desktop version ). So, I had to make another payment to be ahead enough for payments to work. So on XX/XX/XXXX I made another and have been trying ever since to setup recurring payments that will be draw on the XXXX and XXXX of every month beginning on XX/XX/XXXX. 

Every time that I've tried to set this up I've gotten an error message that says " Were not able to access your loan information at this time '' on their website and nobody at the customer service help line seems to know what the issue is. First I was told it was simply because I was trying to do this on my phone, through their mobile-friendly website. Then, when I borrowed a laptop I was told it was because I was using XXXX XXXX - listed as an approved internet browser on their website. 

Next I was told that there may be an issue with my account but I'd need to fill out a form to have it looked into. I've done everything that I was told I needed to do to make this mortgage payment process simple and seamless with automatic, split semi-monthly payments but nobody at Freedom seems to know what is going on or how to fix it. 

Most of the customer service representatives have sounded very nice but are so scripted in what to say that once the conversation doesn't go where their script says they become nervous and uneasy about what to say. I'm worried that my complaints don't seem to go where they need to go with this Servicer.

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 2023-02-14
Company: EQUIFAX, INC.
State: AR
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:
Thi is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request that you remove the fraudulent items off of my Credit File. My credit report contains a significant number of unauthorized accounts, inquiries, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please see below the list of the items I need you removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$2500.00} XXXX XXXX A XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Under the requirements of the Fair Credit Reporting Act section 605b, I am requesting immediate removal of the disputed fraudulent items off of my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the company 's customer service representative. 

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 2023-02-14
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MICHIGAN 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 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 explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 Im a victim of Identity Theft. I have two phone bills on my credit report that's not mines. XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$130.00}. Attached is my FTC report with my ID and social. Please update this as soon as possible.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$93.00}.

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 2018-11-12
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We used Fairway Independent Mortgage Corp. ( Fairway ) to purchase our home through their VA program as I am a XXXX Veteran. During the process of signing the mortgage paperwork, I asked our loan originator ( the person helping us with the application and our contact through out the entire process ) if we could make Bi-Monthly payments and for more than what the payment was ( additional principal ) to pay down our Mortgage. She told us yes we could and it could be set up online. I also asked her if our Mortgage would be sold, she advised us that although we were signing documents stating that it may be sold, that in fact no it wouldn't be sold. Less than 30 day after closing, before the XXXX payment was due, we were notified via phone by XXXX XXXX   that they had purchased our loan. As of this date ( XX/XX/18 ) we have not received ANY written or verbal correspondence from Fairway, as required by law that they have sold our Mortgage to XXXX XXXX  XXXX ( XXXX ). When attempting to set up Bi-Weekly payments and additional principal payments, XXXX XXXX advised me that they did not offer those options and that they would not apply additional principal payments until the next full payment was received, that funds would be held in a separate account. This option was very important to us and we were told that it was available to us, in addition, to have a re-amortization of our Mortgage, XXXX all charge us {$350.00}, there was no fee for this with Fairway. We did not agree to these terms and are forced to accept them due to the sale of our Mortgage. We feel that we were not treated fairly and lied to about this and it has affected the way that we wanted to pay our Mortgage and investment in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WLCC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX OHIO : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person.

( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 780.45 % The amount financed : {$600.00} 28 % on top of {$600.00} = {$760.00} I have paid {$830.00} in 5 payments over the span of 2 months. 

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 Ohio state law, payday lending is legal. 
Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly. 


( message I wrote them ), I am being charged what appear to be illegal rates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company DSNB MACYS, XXXX XXXX XXXX, and the credit card company is XXXXXXXX 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 2022-11-22
Company: EQUIFAX, 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:
Dear XXXX, EQUIFAX XXXX, XXXX XXXX XXXX  There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XX/XX/2017, XXXX XXXX XXXX  XX/XX/2017 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a notification on XX/XX/23 from XXXX XXXX that there was an inquiry from Wells Fargo for a credit card application which I did not apply for. I contacted Wells Fargo immediately and the made note that this was a fraudulent application and will deny approval.

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 2023-02-14
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these items : XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting a thorough investigation into these unauthorized transactions and kindly ask for your prompt assistance in resolving this matter. I understand that unauthorized access to my account is a serious matter, and I trust that your institution will take the necessary steps to rectify the situation.

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 2023-09-25
Company: Majority USA, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I CHOSE TO HAVE A BANK DITCH WITH THEM PORUE SEEMED DIFFERENT TO ME BUT THEY HAVE STOLEN MONEY ENOUGH FOR ME FROM XXXX TRANSACTIONS EVEN TALK TO XXXX AND THESE TRANSFERS HAVE NOT BEEN PAID FROM MY DEVICE TO A XXXX THAT NEVER THOUGHT THAT SOMETHING OF THIS MAGNITUDE WOULD HAPPEN I ASK THEM TO RETURN MY MONEY THEY CLOSE ME L account and do not touch my credit and I demand damages and damages for XXXX XXXX dollars even automatically charged {$100.00} from my irresponsible notebook

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-18
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 explanation
Consumer complaint received 2023-09-25
Company: The CMI Group, Inc.
State: AR
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:
I contacted Credit Management LP and asked them to validate an allege debt they claim I owe I sent this certified mail on XXXX it was signed for XXXX. This company was asked to provide the original purchase agreement, signature with all parties involved, bonding agency for credit Management, Accounting history from original creditor, proof they are legally allowed to collect in Arkansas, proof of ownership of the alleged debt and include proof of assignment for each change of ownership, if ant interest or fees that have accrued or been added,, proof that they sent the legally required notices to me before reporting the alleged debt to the consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX We were customers with Chase from XXXX through XXXX of XXXX. We had 2 business checking accounts and a personal premiere account. During the 10 years, the 2 original accounts were changed to a new account XX/XX/XXXX. My final account number was XXXX. On XX/XX/XXXX I deposited a check from a client for {$9300.00}. One week later on XX/XX/XXXX, the same customer gave me another check for {$13000.00}. I deposited that check the normal way I always have. This was a known, regular customer that I am doing a {$53000.00} job for. After I deposited the second check the bank froze my account and then closed the account and seized the money. All the checks I deposited with Chase were valid. They currently have {$15000.00} of our money somewhere that they shouldn't have it, it should be ours. I am XXXX XXXX XXXX and I have never heard of this before. Please help. We are a small business and that is our money for receivables and parts.

Company response to consumer: Closed with non-monetary relief