BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX my mortgage servicer paid the county tax bill of {$2500.00}, which resulted in a - {$1200.00} escrow balance. The problem is, per the county auditor site, my tax bill was only {$1300.00}, and, after further research, I discovered that the parcel # that was paid did not belong to me. Since my taxes were not paid on time, I was charged a fee of {$130.00}. During this time. I was looking to refinance my loan to get into a better interest rate by taking advantage of the VA IRRL program. While reviewing the closing documents on my new loan, I noticed that there were delinquent taxes being rolled into my loan, and that is when it was discovered that the wrong parcel was paid. On XX/XX/XXXX, I called Mr Cooper to escalate the issue of the wrong parcel being paid, and advised them that I was in the process of refinancing. They advised me that they will escalate the issue and will get it corrected and, if the loan is paid off, I will get a refund in the mail. They promised to reach out to me in a couple of weeks once resolved. On XX/XX/XXXX I signed my closing documents for the new loan, which had the delinquent tax amount of {$1500.00} being added on the new loan. My loan with Mr. Cooper was paid off on XX/XX/XXXX. On XX/XX/XXXX, I called Mr. Cooper to check on the status of my refund. At that time I was told that everything is still being processed, and there was a case open to look into my tax escalation. I was told to give it a few more days for an update. I called back on XX/XX/XXXX and was told that my case had been closed since my loan was paid off, and the tax department could not do anything on my account. I was transferred to the escalation department and spoke with XXXX, who stepped up and owned the issue and apologized that the case was just closed without correcting the mistake. She attempted to reach out to the county auditor to find out how to start the refund process. She advised me she would follow up with me once she has a response. I followed up with XXXX on XX/XX/XXXX by email, with no response, then I called on XX/XX/XXXX to speak with her, but she was unavailable so I was transferred to another escalations representative. I, again, was told that there is nothing they can do since my loan was paid off. I had to explain the whole situation again about it was their error for paying the wrong parcel, that money was taken out of my escrow account to pay someone else 's taxes, and that is the responsibility of servicer to fix that. The representative agreed that they should fix the issue. I was told that they will research and give me a call back by end of day. Again, this call took place on XX/XX/XXXX, and I still have not received a call back from Mr. Cooper about the escrow issue. 

I should not have to continue to call and escalate this to get traction on an error that this loan servicer made. I am owed the total amount of {$2700.00} ( which includes the XXXX fee for paying my taxes late )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge for a purchase. The purchase received as a counterfeit. Capital One claimed they did not receive the requested documentation from me and closed my claim. I faxed the documentation, and they again claimed they could not processed my claim. They are in violation of the credit card agreement by not processing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I received two notifications that two inquiries were placed on my credit report with Equifax that I did not authorize. I am very upset as these are fraudulent inquiries. The first inquiry was done on XX/XX/XXXX by XXXX XXXX. The second inquiry was done on XX/XX/XXXX by XXXX XXXX. I want these removed immediately from my Equifax credit report as I did not give authorization for any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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. XXXX XXXX XXXXXXXX # XXXX have 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. 

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXX XXXXXXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary 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   - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: Paradigm Assets, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The last complaint I filed was closed and unresolved. The company DID NOT in any way answer the REASON for my complaint or certified letter, so here is a new complaint. 

I have explained clearly, multiple times now, that we put in a request to remove the PMI on our property due to SUBSTANTIAL HOME IMPROVEMENTS. 

Flagstar 's PMI Removal Request has three ( 3 ) reasons to submit the form ( quoted word for word from their form ) : 1 ) " Principal balance reduction '' 2 ) " SUBSTANTIAL HOME IMPROVEMENTS made to the property increasing the value '' 3 ) " Appreciation of property value '' For the love of all things that are holy or cursed : WE. SUBMITTED. THE. PMI. REMOVAL. REQUEST. FOR. REASON. NUMBER. TWO ( 2 ).

Gon na spell it out slow : W-E M-A-D-E B-I-G I-M-P-R-O-V-E-M-E-N-T-S T-O T-H-E H-O-M-E. 

We remodeled several parts of the home, thereby increasing its value. 

Why XXXX, WHY does Flagstar keep ignoring the actual reason we requested to have the PMI removed?? 

Their denial letter to my form didn't answer this. 
They ignored my certified letter completely. 
They once again didn't answer it in my first complaint through CFPB. 
So here we are again. 

How is it possible for these people to literally keep ignoring over and over and over and over, the actual reason for my complaint and the reason we asked to have the PMI removed?? This is insanity. C'mon Flagstar, read the XXXX letters and give me a straight, non-BS answer. 

All they keep saying is our LTV % is " too high ''. The number they keep giving is the appraisal divided by the balance owed. THE HOME IMPROVEMENTS WE HAVE MADE HAVE NOT BEEN FACTORED IN ONE SINGLE TIME BY FLAGSTAR. 

What is sounds like, is they are trying to force us to get a new appraisal ( reason # 3 on their PMI removal form ). However, we submitted the form for reason # 2 ( substantial home improvements to property ). This has STILL not been addressed.

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 2022-09-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2021-06-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit ReportXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my credit report and I noticed that I have a bankruptcy on my Transunion and XXXX reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus before about the inaccurate information and they did nothing to resolve the problem.

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 2022-10-11
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied to consolidate my loans with Moehla in early XXXX. I have called several times since then and keep being told it should be processed by the XX/XX/XXXX deadline to apply for XXXX. I have called several times this month ( now XXXX ) and cant even reach anyone. Ive been kept on hold for hours at a time with no one ever answering. My loan still has not been processed and with no way to get in touch with anyone I fear I will miss the deadline

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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