BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on the phone for 25 minute trying to catch my mortgage up to date. I removed money from my 403 k plan to pay back past 6 months of missed. freedom mortgage is refusing to take the money and I had asked to fill out a modification several times in the past few months and they said no I can't because I'm behind. I also told them it takes about 30 days for my money to come from my retirement and the last time they had me request the wrong amount and than charged an enormous late fee. I took out extra this time but really need a modification I was out of work due to an injury late in the summer refereeing hockey game at my part time job. The lady at Freedom just refused to take the payment and told me I could only apply for a forebearance

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 2022-12-21
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to Experian dated XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : 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 2018-06-26
Company: Resurgent Capital Services L.P.
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:
there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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:
XXXX XXXX  failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. 

Account : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2020-08-04
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received an email an email on XX/XX/XXXX telling me that my forbearance, which was under the CARES act, was ending soon ( XXXX ) and I needed to request the extension as soon as possible if I needed it. I was told I could request this through XXXX I attempted this, and they said they can not process that request. I also emailed you directly and never received a reply. I was asking for the additional 6 months as specified in the CARES act and also as mentioned in the letter you have sent me during my last CFPB complaint. 

I sent a letter with tracking to you on which was received by you on XX/XX/XXXX also requesting this extension. 

I then called on XX/XX/XXXX to confirm you had received the letter. I was told by the representative you have, and the request will finish processing XX/XX/XXXX. I called on XX/XX/XXXX, and was told you did not receive my request and the forbearance was ending XX/XX/XXXX. I was also told you refuse to extend an additional 6 months in accordance with the CARES act, and would only look into extending it 3 months at a time. 

I have also previously called to inquire what you will need from me as far as income requirements and other questions when I do eventually restructure the loan to bring it current, and no one is able to give answers to the questions. I do not understand how you expect me to eventually bring this loan current if you can not tell me what will be required of me at the time. 

In short, I want you to extend the forbearance the additional 6 months in accordance with the CARES act and also give me the contact information for someone who is knowledgeable in the restructure process for the mortgage at the end of the forbearance so I can ensure I am prepared for it. I was told the options at the end of the forbearance are restructuring or a partial claim to bring the mortgage current. 

This is my second complaint with CFPB largely due to your unresponsiveness and inability to follow up or answer questions at all and/or in a timely manner ( generally 4+ weeks ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There has been many dispute letters sent to Equifax and two complaints filed with the CFPB. 

First dispute sent XX/XX/2020 and a letter sent each month through XX/XX/2020. Equifax has removed all accounts except for : XXXX   XXXX  ( UNVERIFIED ) XXXX/XXXX  XXXX  ( UNVERIFIED ) BANKRUPTCY ( UNVERIFIED ) I am not sure why Equifax has decided to ignore these 3 accounts. These are just as invalid as the 8 accounts they removed on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TrueAccord Corp.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm not sure if this is the correct category, but XXXX different debt collectors are contacting me for the same debt. I setup a payment plan with XXXX XXXX XXXX  for a XXXX XXXX  credit card debt. I am now receiving texts and emails from True Accord requesting payment for this same account! I have a photographic memory, so when I saw the exact amount of the debt they were requesting, I double checked my payment plan with XXXX  and it's for the EXACT same amount and card number ending XXXX. 

If I didn't remember the amount, I would have setup ANOTHER payment plan for exact same debt. 

This is absolutely illegal and fraudulent behavior. How can XXXX different companies attempt to collect the same debt?? Either XXXX XXXX double sold my debt, or XXXX and True Accord are intentionally double dipping. How many other consumers have they done this to? How many debts have been double-collected?? Someone needs to investigate this. Should I cancel my repayment plan with XXXX? Who is the real owner of this debt? Have I been scammed and I'm now paying the wrong person XXXX payments?? I literally don't know what to do. I was threatened with legal action, so I set up a payment plan with XXXX  and now I'm questioning who I gave my bank account information to!!

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 2021-05-12
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
have made all payments on time but company claims XXXX and XXXX have not been made and have put me in default

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 2022-03-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two XXXX Synchrony Bank credit accounts for which I have been making payments for the past four years and have noticed that the balance has not decreased or has increased and I have not made any purchases on the account. I initially thought it was the interest that I was being charged however upon discovery it appears that it was due to fees specifically a security fee of more than {$100.00} per month and my minimum payment is {$62.00}. I also noticed that my interest rate was 0 % so this fee was increasing the balance and causing the account balance not to decrease.

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 monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. XXXX XXXX, XXXX, and Equifax. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. XXXX XXXX, Experian, and XXXX. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.

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 2022-09-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX Date of inquiry : XX/XX/XXXX I did not authorize this account. 


XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX  XXXX Account Number : XXXX Please investigate and remove it. 

XXXX XXXX Account Number : XXXX I did not authorize this account. 

XXXX Account Number : XXXX Please investigate and remove it.

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 2022-03-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sold my Florida property on XX/XX/2022. The mortgage was serviced by XXXX XXXX XXXX XXXXNationstar Mortgage XXXX . I received the correct closing proceeds from the XXXX XXXXl title company the same day on XX/XX/2022. Several weeks later on XX/XX/2022 I received a bank wire to my checking account from XXXX XXXX for the amount of {XXXX}. I contacted XXXX XXXX on XX/XX/2022 to ensure this was correct. Per the attached memo the transaction was correct. I called XXXX XXXX XXXX XXXXNationstar Mortgage XXXX to verify as well. The mortgage company stated the transaction is correct and the funds were mines to keep. I emailed XXXX XXXX XXXX XXXXNationstar Mortgage XXXX XXXX XX/XX/2022 to address the issue and was given the same response to keep the funds. I followed up again XX/XX/2022 and received a response on XX/XX/2022 that they will review my account. Followed up again on XX/XX/2022 and the mortgage company stated to return the funds and did not provide details why to return the funds. I did not use any of the funds due to the nature of this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: FL
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 received a copy of my credit report and found the following error still remaining on my report. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Experian Credit bureau is currently still reporting XXXX XXXX inaccurate account on my report, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

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 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a check that my husband wrote from his business account. Check did not clear so I went to bank I was told that it would be a 7 day hold due to a new account. No problem that's policy. But also that my account had been flagged for suspicion of fraud with took me completely back I was giving a case number and called truist fraud department and was told I needed to bring in verification for the Check. The XX/XX/2022 which was a Saturday I took the check and my husband bank statements to show the check was cleared. I was told that the analyst had to complete there investigation and the funds and my account should be back up on the XXXX, XXXX. 
The check cleared my account on XX/XX/2022, and as of today, XX/XX/XXXX, I am still unable to use it and it is still frozen. I've spoken to multiple people who say they don't see why the account is still frozen after the 7-day window has passed. I've escalated this multiple times and I still don't have access to my account. I'm disappointed that I had a vacation but couldn't even use my own money. Is it even legal? 
Also I was never contacted I had to just call and go to banks until I was directed to the fraud department.

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 2020-07-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Around XXXX on XX/XX/2020 I tried to open an account with BB & T at the XXXX. XXXX branch in VA. I was told that in order to go inside the lobby to open an account I would need to wear a mask. They did not have any masks to provide to me and the woman who told me this wasnt wearing a mask herself. She claimed that it was a requirement to wear the mask if I wanted to open an account there. I was discriminated against and unable to open an account because I did not have or wear a face mask.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
That it's happening to me and my credit report is just so frustrating for me. This is not just embarrassing, but you and the company are both to blame for reporting this inaccurate information. You can remove the late payment annotation and update to paid now or as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: CA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief