BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company Freedom Mortgage who was supposed to help me do a VA cashout loan after closing my VA streamline in XX/XX/XXXX. Loan for simply some extra money so I could do some home improvements. This process started XX/XX/XXXX. Shortly after I paid to start the process, I did everything that was needed, I get a letter from Freedom stating that I owed supplemental taxes on my property, that I was unaware as the mailing address was Freedom Mortgage and not myself. I called the county assessor and confirmed that the letters were sent out, and they gave me the amount and date of due no later than. I told my VA cash out loan person and was told specifically not to pay it myself as it would be included in the loan. I then paid for all the inspections they required by XX/XX/XXXX expecting to close 45 days from XX/XX/XXXX. I gave all the required documents with such a lack of communication on there behalf sometimes having to resend the same documentation sometimes 3-4 times! I have multiple emails from XXXX all the way thru XXXX XXXX saying that the supplemental taxes would be included in my cash out loan. Its now XXXX and I am receiving a letter in the mail saying that Freedom the same company that told me not to pay it, now payed my taxes that I was gon na pay myself in XXXX in XX/XX/XXXX and raised my escrow {$800.00} without permission from me, and after being told not to, I am getting now overcharged for their many mistakes and false statements and false directions. This is horrible as I am a Veteran, and that they would feel in their best interest to advantage of me and think they could raise escrow prices as they see fit, but because my premium didn't change it is their loophole to not even give warning and raise someone's mortgage {$800.00}. I have submitted that on XXXX XXXX XXXX they were still saying they would put the taxes in my loan and it wasn't true, they paid the taxes as of XX/XX/XXXX which means they were going to add the loan on top of their raises prices to me.

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 2021-08-24
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Applied for COVID 19 forbearance on mortgage. Signed the promissory note on XX/XX/2021. FHA Partial Claim is dated for XX/XX/2021. Claim request from loan servicer ( Idaho Housing And Finance ) was submitted to XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX received the signed documents from notary on XX/XX/2021 with XXXX  tracking number confirmation. 

We are selling our home and title company was not able to get loan payoff. 

XX/XX/2021 : called XXXX XXXX XXXX and they stated the loan servicer has not submitted claim request. 

XX/XX/2021 : on the phone from XXXX CT. Called loan servicer, claimed they can not give payoff due to funds from HUD/FHA have not been received for COVID 19 forbearance. State they have submitted claim to XXXX on XX/XX/2021. Called XXXX  back, state they dont have record, so they can not give payoff for COVID-19 forbearance. Called servicer, they state the title company has not recorded the signed documents, so they can not process a payoff. I stated we can pay out of pocket for the loan amount but they will not allow it because the paperwork has not been processed. 

XX/XX/XXXX : Submitted formal request for payoff to both XXXX XXXX XXXX and Idaho Housing and Finance. I received an email back saying they are unable to process the request due to the loan servicer not submitting a claim request XXXX the claim request was submitted XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: LA
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 am a victim of idenity theft.I have accounts in my name that I did not authorize. Please help [ me with this matter.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep frustration and concern regarding the persistent late open accounts appearing on my credit report. Despite my repeated attempts to rectify this situation, the inaccurate information remains on my credit file, negatively impacting my creditworthiness. This situation is in violation of the Fair Credit Reporting Act, and I am seeking immediate resolution. 

To provide you with a comprehensive overview of the issue and the actions I have taken to address it : I discovered that there are late open accounts listed on my credit report that I believe to be inaccurately reported. 

I promptly filed a dispute with your agency on [ Date ] to challenge the accuracy of these late open accounts. I provided all necessary documentation and evidence to support my claim. 

After the initial dispute, I requested a reinvestigation on [ Date ] as I believed the late open accounts were not adequately addressed during the initial dispute process. 

I have made numerous attempts to follow up on the status of my dispute through letters, emails, and phone calls to your agency. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act obliges credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, this dispute has not been resolved within the required time frame, which constitutes a breach of my consumer rights. 

Initiate a thorough and prompt investigation into the late open accounts appearing on my credit report as mandated by law. 

Furnish me with a written response detailing the results of your investigation, including any corrective actions taken to rectify the inaccuracies. 

If it is determined that the late open accounts are indeed reported inaccurately, I insist on their swift removal from my credit report. 

Ensure that your agency complies with all pertinent laws and regulations, including the Fair Credit Reporting Act. I am asking for your immediate assistance to correct the accounts : XXXX XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$49000.00}.

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 2022-05-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I paid off {$18000.00} on my mortgage which only had around a {$110000.00} balance. In early XX/XX/XXXX, I demanded NewRez do a recast on my loan on a recorded line. During over 40 phone calls, the customer service reps I spoke to pretended they did not know what a recast was except one person I spoke to in XX/XX/XXXX told me NewRez does not do recasts!!!!!! I have my phone bills which clearly shows these phone calls being made. None of the reps ever referred me to the recast department. After writing to XXXX XXXX their CEO, I finally was sent a recast form in mid XX/XX/XXXX but their XXXX program would not let me download the form. After five more phone calls I was finally sent the recast form by regular email in late XX/XX/XXXX. I completed the form ASAP and sent the {$300.00} recast fee which was never discussed with me or the recast form sent to m prior to my writing to their CEO, XXXX XXXX. Now today, XX/XX/XXXX, a XXXX XXXX told me my recast request was rejected because I had not paid off at least 10 % of the loan. THIS IS A VERY BLATANT LIE AND OUTRIGHT FRAUD. 10 % OF THE {$110000.00} BALANCE IS {$11000.00} AND IN XXXX I PAID OFF {$18000.00} WAY OVER 10 %. Anyway I am sending a copy of this complaint to my U.S. member of the House of Representatives, XXXX XXXX, and my two U.S. Senators, XXXX XXXX and XXXX XXXX demanding that the CFPB fine this company for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: LA
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 XXXX 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 explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX Account # XXXX RE : INVESTIGATION RESULT DATED XXXX ATTACHED. 

Dear Sir / Madam, This is to inform you that according to the information in the attached investigation result provided by the furnisher regarding my last dispute, the investigation result indicated that the date of first delinquency is XX/XX/XXXX since the last date the account was current was XX/XX/XXXX which says ( XXXX ). PLEASE SEE HIGHLIGHTED DATES IN THE INVESTIGATION RESULT ATTACHED. The Highlighted items indicated the date the account was last current as well as the date of first delinquency. 

According to FCRA, any delinquent account must be deleted seven years from the first missed payment and that date according to the highlighted attached document as XX/XX/XXXX. Be informed that seven years from the date of first delinquency which is XX/XX/XXXX according to the highlighted in the attached evidence is XX/XX/XXXX. 

Note : Reporting delinquent account more than seven years or trying to re-age an account is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681c ( a ) ( 4 ) REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS. 
( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS. 
Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or changed to profit and loss which antedate the report by more than seven years. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-05-09
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I told them I couldn't make payments because I had a problem with a company I was working for not paying me. They have been calling me multiple times a day, every day, for a few months. I did a debt consolidation with a company and this account with Tower Loans is part of that consolidation. I told the representative from Tower Loans that showed up at my residence, unannounced, about that and gave her the contact information of that company. Tower Loans called and told me that they don't deal with consolidation companies and don't have to follow the rules not calling repeatedly. Tower Loans told me that since they collect their own debts, the federal rules concerning the contacting and harassment didn't apply to them. I've told Tower Loans all they can do is file it on my credit report and that they needed to stop calling me to harass me about it or I would report the company. Harassment as defined by the reporting act that outlines consumer rights is what Tower Loans is in violation of. Also, the lie that they said about they don't deal with consolidation companies so it's not their problem. I believe this falls under the rulings of removal of the debt from my records because of the harassment and tactics of deception by Tower Loans. At any rate, the calls need to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2023-05-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I noticed my credit XXXX  score update from XXXX was XXXX on my XXXX app. The reason given was " Serious delinquency '' and " Time since delinquency is too recent of unknown ''. 
I downloaded XXXX XXXX to investigate more and found an unauthorized account and personal line of credit opened on XX/XX/XXXX with Citizens Bank of {$5100.00} with a balance of {$4000.00}. The balance has not recieved payment since XXXX. 
Since then I have froze my credit reports with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). 
I will be reaching out to Citizens Bank, filing a police report, and contacting XXXX to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: NC
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/XXXXAccount # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Consumer Note 3rd official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXXXXXX XXXX XXXX compliance since, per XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed the above listed items on my credit file and noticed that they are not even XXXX XXXX COMPLIANT WITH THE STANDARDS FOR FURNISHING DATE TO A CREDIT 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have information on my credit report that does not belong to me. I contacted the bureaus, but they did not remove the accounts from my credit report. 


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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