BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX Veteran and received a VA loan from Freedom Mortgage in XXXX. I lost my job in early XXXX as a XXXX XXXX with the XXXX XXXX in XXXX, Alabama making over {$110000.00} annually due to a closing of the office. I found another position with another company making half of what I was making at {$56000.00} annually plus commission. I applied for a modification with Freedom Mortgage in early XXXX as I was going through a divorce and I was awarded the house and our XXXX children ages XXXX and XXXX. I sent paperwork as requested by Freedom Mortgage from XX/XX/XXXX until I was contacted with an approval in XX/XX/XXXX. I was paying {$1700.00} per month for my mortgage before the modification request and Freedom offered to lower my principle but increased by interest rate from 3.75 % to over 5 % therefore keeping my monthly rate the same and added the back payments which was over {$400.00} per month. The total modification would be over $ 2200 monthly. I had to file Chapter XXXX bankruptcy after receiving this approval to avoid them foreclosing on my home. I have been paying the back amount through my bankruptcy repayment however I am unable to afford the $ XXXX monthly payment and I am now 5 months behind and received a letter from Freedom Mortgage that they want release from the bankruptcy so that they can foreclose on the home. They have posted this pre-foreclosure for investors as I am receiving texts and mail about individuals requesting to purchase my home. This has caused a great deal of stress on me and my children. I am unable to rent anywhere due to my credit and bankruptcy. Freedom Mortgage could not have looked at my financial statements that they requested and determined that I could afford the same amount. This modification was not done in good faith. Again, I am a veteran and I do not want to lose my home with my XXXX children. Please help!

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2023 I reported that I had some unauthorized and unrecognized inquiries on my consumer report. Fast forward 6 months later I have 4 or five credit cards that I never received or even applied for all of which are carrying a delinquent balance. And they are still reporting the inaccurate false and misleading fraudulent information on my credit report. And it needs to be deleted immediately. I and when I reported this to them last week I informed them that my personal information is XXXX XXXX My only residential address is XXXX XXXX XXXX XXXX CA XXXX My business addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX That is the only address Im connected to. And ( XXXX ) XXXX personal ( XXXX ) XXXX business Are the only telephone numbers im connected to And they still havent gotten that right. 
And i asked them to remove all my employer information and my ss # and they still havent done that either

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 2023-06-13
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied a balance transfer from my credit union account to cover the balance of my loan on XX/XX/XXXX. At that time, the balance was just over {$600.00}, with biweekly payments of {$170.00} being made via auotpayment. 

The credit union sent the funds immediately. When I received notification from XXXX that the next scheduled payment was due to be withdrawn from my account, I called them to inquire why. I was told I needed to " learn to understand how loan payments work '' [ I've worked in financial services for over a decade and needed a short term loan to cover bills ]. 

I asked to be transferred to someone else, and spoke to XXXX. He asked me to contact the credit union. When I did, I was informed it could take as long as a month for funds to disperse to the creditor. 

Today ( XX/XX/XXXX ) I again was informed that my autopayment would be applied on XX/XX/XXXX. I called XXXX and after multiple attempts at explaining the situation to them, was told I " just need to call the credit union ''. I've asked the credit union to validate where the funds went. In the meantime, after 6 phone calls spanning a month, I'm gotten no farther in finding out what happened with the payment with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: John C. Heath, Attorney at Law, PLLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Over the past year I have paid Lexington law firm and infinite finance to repair my credit. The negative items on my credit are old, settled, went through a chapter XXXX in 2012 or are simply not mine. I was told by both companies that it wouldn't be hard at all to get them removed. My credit sits on now at XXXX and I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you in good health. I am writing to express my deep frustration and disappointment regarding the numerous attempts I have made to rectify and remove a charge-off account from my credit report, which has been negatively affecting my financial standing for an extended period. 

The charge-off account in question, associated with XXXX  XXXX XXXX XXXX, has caused significant distress and inconvenience. Despite my repeated efforts to address this matter with your company, it remains unresolved. I have contacted your customer service department on multiple occasions, and have provided all requested documentation and information to support my case. 

It is essential to highlight that my attempts to remove the charge-off account have been driven by a sincere desire to rectify any legitimate discrepancies and fulfill my financial responsibilities. I have acted in good faith throughout this process and have cooperated fully with your company 's requests for information. 

I am formally requesting the following actions to be taken urgently : An immediate investigation into the charge-off account to determine its accuracy and validity. 
If the charge-off account is found to be inaccurate or unjustified, its removal from my credit report. 
A written confirmation of the resolution, including the date when the charge-off account was removed. 
An apology for the extended delay and the negative impact on my financial situation and creditworthiness. 
I understand that maintaining accurate credit reports is essential for both creditors and consumers, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

Failure to address this issue within the exact timeframe from the date of this letter may leave me with no alternative but to seek legal remedies or involve relevant regulatory authorities to resolve this matter. I am asking for your immediate assistance to remove this charge off account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}.

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 2022-12-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.

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 2021-03-07
Company: Credit Corp Solutions Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Credit Corp Solutions INC violated a couple laws under the Fair Credit Reporting Act. The first violation was 15 USC 1692c ( a ). I did NOT give credit corp consent to contact me through any mediums.

Credit Corp Solutions INC Violated 15 USC 1692b ( 2 ) because sent me a letter stating that I owe an alleged debt and that's a clear violation under the Fair Debt Collection. Practice Act Credit Corp Solutions INC violation of bringing legal action for an alleged debt. Pursuant to 15 USC 1692i ( b ) congress states that " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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:
XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed.

The Supervisor from Special handling told me he did not have to remove the account as it was verified from the creditor, I was also sent an updated credit report with the account still reporting violating my consumer rights pursuant to 15 USC Chapter 41 as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 U.S.C. 1681. 

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 

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. 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 2021-09-16
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:
To whom this should concerned Ive been in contact with Equifax for a little of a year now with no resolve of them correcting incorrect information that are reporting on my credit report. Theres short response is always the same this information is accurate and has been verify by their company. Seeing that we are aware that this is just automated response I completely understand why they keep sending the same response. Thats not my issue my issue is that this information does not belong to me should not be on my report. Now it is Equifax duty legally to help me with my own investigation by providing the information and the actually people involved in verifying this incorrect information which they continue to ignore my request. 
Equifax is in violation of so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A- congressional findings and statements of purpose, & 15 U.S. Code section 1681B-Permissible purpose of consumer reports & 15 U.S. Code section 168E. I respectfully request to be providing proof of this alleged items, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please. 

My credit is very important to me. If your agency continues to list these inaccurate items on my credit report. I will find necessary to sue you for actual damages and declaratory relief under the FAIR CREDIT REPORTING ACT & FDCPA. 

The accounts involved in this matter are listed as followed : DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX Im at this point begging for this matter to be handle sooner than later I've been deny housing and job opprotunites because this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2019-05-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ENHANCED RECOVERY CO is listed under collections on my credit report giving me a negative score. Original creditor is XXXX XXXX, whom I contacted and paid in full my remaining balance {$380.00}. However when I pull up my credit report I see listed under Collections Enhanced Recovery ( account shows Paid and closed with amount owed {$0.00} ). I have called this so called company Enhanced Recovery and both times they say I need to call XXXX XXXX. When I explain to them I have called XXXX. and paid them. They respond again sir call XXXX when I try to get them to explain why I should call XXXX. when the account name on my collection report states Enhanced Recovery not XXXX I can advise any further than stating call XXXX XXXX. These companies like this Enhanced go out of their way to harass you constantly and call you all times of the day wanting their money. Once it's paid for in full and consumer no longer owes them money. They no longer have a clue and play like idiots, I am currently in the market to purchase a new vehicle but with this, still listed and not removed like it should be my credit is lacking a good score. If companies wont remove it why should a consumer even pay a collection just wait 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of the previous letter. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$54000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 2022-05-03
Company: EQUIFAX, INC.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 XXXX 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$180.00}

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 explanation
Consumer complaint received 2021-03-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation