BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I called Freedom mortgage 3 years ago and asked why I was still paying PMI and the representative told me I was not paying PMI. Later on I realized I am PMI still and he was dishonest or mistaken. I have called and written requests of removal 4 times and each time they give me a different answer each time with a new denial. Freedom Mortgage sent me a letter with " GREAT NEWS '' stating My home value was {$600000.00}. My loan with them is now {$120000.00}. My original loan was {$150000.00} with over {$7000.00} put down for closing. 

The law states that I should have my PMI removed and I want to file a complaint that they have continued to refuse and deny the PMI refusal for their own financial gain and nothing else. That the threat that PMI was intended to protect them and is no longer there. 

PMI Cancellation Act benefits me under the right to remove PMI once you have reached 20 percent equity in your home ; that is, once your loan balance reaches 80 percent of the homes original value. So, I get a 2 percent jump here, which saves me from having the PMI payment.

For example, 20 percent equity in a {$300000.00} home means you can submit a cancellation request when your outstanding balance is {$240000.00} {$6000.00} less than the 78 percent equity threshold. 

I QUALIFY BECAUSE I HAVE DONE THE FLLOWING : -- -I have made the PMI cancellation request to my lender Freedom Mortgage in writing. 
-- -I have been current on your mortgage payments, with a good payment history. 
-- -I haveno other liens on the home or second mortgages. 
-- -I recieved Freedom Mortgage 's very own appraisal in the mail stating my home was valued at {$600000.00}. My homes value has skyrocketed not to mention the entire home was completely and elegantly remodeled. That notice of the value directly from Freedom Mortgage is attached. 
-- -My original mortgage was $ XXXX and now I owe {>= $1,000,000} ... ,20 % equity is {$31000.00} which calculates to {$120000.00} BELOW WHAT I OWE SO I DEFINITELY QUALIFY!

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want those items deleted from my credit reports effective immediately : living address or previous address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida and XXXX XXXX XXXX XXXX  XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as well.These are the most recent. And there are various hospital bills that do not belong to me from The villages Florida from a while ago that was on there. I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and inquiries from my credit report because my score has suffered greatly and it's still suffering because I am still getting inquiries that are not mine. 
In the year 2020 month of XX/XX/XXXX day, I began noticing inquiries that didn't belong to me and having to scour my credit report because of such inquiries that were not mine as well as charges or services that did not belong to me and improper information on my report that did not belong to me. And then later down the line after searching it all ring a bell, I must have been a victim of this credit breach and my information was and still is being sold and used wrongfully by criminals.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-12-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am going through XXXX XXXX at the moment and have been getting donations for my benefit. I had a gentleman call me explaining how he lost his wife to XXXX XXXX and his daughter is a XXXX XXXX survivor and wanted to donate. He asked me if he could mail me a check. He did not say an amount but did say it was coming from his beneficiary lawyer. I was a little skeptical but thought I would just open up a new bank account to avoid any funds being taken from my original bank account. I opened an account with BMO and gave this XXXX XXXX he called himself the routing and acct # 's for the lawyer. On that exact first day I opened that account and gave him that information there were emails coming to me with login issues. I called BMO right away to make sure no one was in my account and the lady said there was no issues. About a week later the check showed up in the mail. It was larger than I thought he would of sent but I thought maybe with both his wife and daughters issues he was being generous. I deposited the check knowing that I wasn't going to use right away because I'm putting together a benefit for cold capping and if there was an issue with the check BMO would let me know. Well this guy already was hacked into all my accounts. He online deposited XXXX checks into my BMO account and withdrew all {$5000.00} the bank approved before clearing the check. BMO has done the investigation and is now telling me I am responsible for the loss and owe them {$5400.00}. I don't know how they can not see the device used for the XXXX online checks is not mine. This hacker also got into my credit card account and maxed it. Then proceeded to make a payment from an account I have no idea where its from to pay it off. My credit card has completely settled everything on their end but BMO told me its my fault because I deposited the check. Is there something I can do to get this solved? Please let me know what my options are.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These agencies have been reporting income on my consumer report which violates the FCRA. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. And there are 3 accounts that must be removed as they are clearly inaccurate. It goes as follows 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 2023-07-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted TSI after realizing they placed a debt on my credit reports ( XXXX ) of a balance {$10000.00} from my past landlord XXXX XXXX XXXX / XXXX XXXX XXXX XXXX This was paid in full through Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is now fraud, due to XXXX XXXX XXXX ( landlord ) not crediting the full payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-11-16
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-07-20
Company: Paramount GR Holdings, LLC
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:
Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to XXXX  XXXX XXXX on XXXX Is not mine Goodleap llc on XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Account Ending in XXXX needs to be deleted. Wrong Information. 

XXXX XXXX Reports Date Of Last Activity XXXX XXXX Reports Date Of Last Activity XXXX Equifax Reports Date OF Last Activity XXXX How can all XXXX Bureaus have different Dates. My credit report should be 100 % Correct. Please delete XXXX Account XXXX. XXXX 

XXXX XXXX has account XXXX " Last Verified '' on XXXX XXXX and Equifax " Last Verified '' Shows " Nothing '', how can this be especially since I have sent them letters requesting them to investigate this account that is wrong, it comes back " verified '' yet nothing in the account was Updated. This is illegal and against my rights. It means it was never investigated. 

XXXX Account ending in XXXX needs to be deleted. It was never investigated or fixed, by all XXXX bureaus and it is past 64 days til today. Way past the 30 day mark to correct these errors. 

I have attached proof of myself as well as credit report showing these errors. 


Also My Name is XXXX XXXX. This is My ONLY NAME. I have Corrected this Several Times on my credit report and Invalid Names keep showing. 

Wrong Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX... etc These Names are all Wrong. 

Correct Name and Only Name is : XXXX XXXX. Please Correct my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally.

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 2020-12-03
Company: EQUIFAX, 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:
I am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( U.S. DEPARTMENT OF EDUCATION XXXX XXXX accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection my account that shows this month XX/XX/2023. I have never seen this collection or was even aware of it, when you click the name is it not me. Also, I have called the hospital and they said the date I was there was XX/XX/2023 I never went to a hospital around that time and i have never been to XXXX XXXX XXXX at all. I am confused why there is a collection under my report, I am not sure if it is fraud or what but this is not correct, and i would like this to be taken off my report.

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 2022-09-15
Company: EQUIFAX, INC.
State: IN
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:
Account name and number : Dept of educationXXXX / Acct # XXXX XXXX Amount : {$3600.00} / XXXX Amount : {$1600.00} / XXXX Amount : {$3100.00} / XXXX Amount : {$6600.00} XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number XXXX XXXX XXXX Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting acXXXX XXXX Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation