BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Total title fees charged for XXXX XXXX 's, Loan Depot 's affiliate third-party, services increased by {$300.00} over the amount provided in the loan estimate disclosure. The additional {$300.00} represents a 42.3 percent increase over the initial disclosed amount. There were no changes in to the loan terms XXXX loan amount, interest rate, term, down payment, nor cash to close XXXX. The increase is in violation of RESPA. 

Title 12 Chapter X Part 1029 ( Regulation X ) requires that loan estimates be provided in good faith. Section 1026.19 ( e ) ( 3 ) ( ii ) details circumstances and limits for which charges for a third-party 's services or a recording fee can be increased. Because there were no " changes in circumstances '' the increase in fees is in violation of Federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: ME
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested and not received the actual documentation showing my signature on for this loan. I did attend one semester at XXXX but didnt attend a second semester. I am being told this loan is for a second semester which I didnt sign for. XXXX took the money and didnt return it to the government. I am not liable for this money as XXXX basically stole 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 non-monetary relief
Consumer complaint received 2023-07-26
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: DE
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 mailed a dispute letter to Experian via certified mail on XX/XX/21

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 2020-01-05
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:
I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed 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 explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
This is happening with XXXX XXXX XXXX XXXX they were taking payments from a different account and applying payment to that and not the car loan. Then they would report the payments late. They even had both my car repossessed and charged an ungodly amount to get them back. This has been happening since 2016 and we have been working with them to clear this up and nothing has happened.

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 2021-04-24
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am contacting for assistance with this matter that has put me in a deep whole through no fault of mine. We purchased our home in XXXX of 2019 loan done by United Wholesale Mortgage the company was collecting {$630.00} for escrow which included taxes, insurance, and PMI. It Should have been {$950.00} monthly which we just discovered when we met with a loan officer. On our settlement statement they only collected {$290.00} monthly for my property taxes when in actuality the tax bill was for a total of {$6800.00} XXXX monthly. This caused us to fall into a deep hole which the company could never resolve. Then we were sold to another servicer XXXX XXXX who collected the lower amount and put us deeper in a whole. We received a new statement with a total mortgage due of {$3400.00} for the shortage that they did not calculate correctly. This has caused us to be late and now we are 2 months behind and reported this on our credit during the moratorium

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My name is XXXX XXXX XXXX from XXXX, VA and I received calls from my mother, XXXX XXXX, advising that she received numerous calls from XXXX, a Collection Agency advising that if she did not provide information regarding me, that they would put her in jail. She has messages and logs of the calls over the last month. They also called my ex wife and ad I advised my Mother to give them my information - I have been at the same address and phone number since XXXX. There is no reason why a company can not contact me or find my number. 

I received a message from XXXX with a non-toll free number ( XXXX ). When I called XXXX on XX/XX/XXXX at XXXX, they advised me of a credit card from Juniper, to which I had a card and paid it off in the XXXX 's. Although they advised that it was paid in XXXX ( which is impossible ), I advised that I wanted to dispute and was told " good luck with that '' and hung up on. When I called back to dispute on the same day at XXXX, I was put on hold for over 8 minutes and then hung up on. 

I have not received any letters or information about this account.

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 2022-01-25
Company: EQUIFAX, 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:
I send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: PA
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 XXXX-2021 i sent Equifax a cerified mail to dispute the inaccuracies on my credit report, its been over 30 days and they have not responded to my request. Under the FCRA they are required to respond in 30 days, and they failed to do so. I am extremely stressed and sad they violated my consumer rights. I want these inaccurate, unverifiable accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 2023-05-15
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled service with XXXX XXXX XXXX XXXX in XXXX  in XXXX XXXX XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency Williams & Fudge , Inc. for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to XXXX XXXX XXXX, XXXX to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be 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
Consumer complaint received 2020-02-10
Company: Collection Information Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agency must update the information because I got approved financial assistance ( waived fees ) for the services provided. See attached letter from the hospital and letter from collection agency. This companies are never available to pick up the phone and they never sent me a bill before sending me to collection. The hospital is very disorganized with billing and is known that they overcharge patients with medical insurance. There is someone I know that have paid hundreds for a service that she got 2 years ago. Although she has insurance that is accepted by the hospital and for which she pay a high amount for that insurance the hospital has a really poor quality employees in billing department. They seemed to be prejudiced and bigoted and they judge people by race. I was denied a service recently because the billing assistant thought I didnt deserve to receive medical assistance for having an accent. Twice they have asked me to leave a fee in cash for any amount for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My social security number and date of birth has has been exposed I do not have a Bank of America account and 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 2021-05-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, Equifax dropped my credit score by 23 points because I disputed the remarks on accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I pay my bills all on time and disputed remarks on account and my score dropped 23 points. How is this possible. This is even though one my credit cards balanced decreased by {$1300.00}. This is not right and totally unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As of XX/XX/2020, Transunion still reports XXXX XXXX XXXX as verified even though I've sent Transunion documentation explaining inaccurate last date of payment. Wrong or misleading balance owed or past due. As a result of TransUnion is in Violation of FCRA rules.

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 2020-12-14
Company: Accounts Receivable 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:
In response to me previous complaint regarding disputed false accounts # XXXX and # XXXX, Accounts Receivable falsely claim that " consumer has never directly contacted our office, only through CFPB, XXXX and through credit reporting agencies ''. This allegation is false as I have contacted Accounts Receivable directly but they have not responded. Also, Accounts Receivable claims that they " verify identification as accurate '' which claim is also false as they are showing an incorrect ( among several other inaccuracies ) unit number XXXX as part of my address instead of the correct one XXXX. 
Also, they are not showing any proof of debt with my signature - only meaningless computer generated fake or somebody else 's statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
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 do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the 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 explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions 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:
Recently while conducting a monitor of my credit report I discovered that XXXX # XXXX, XXXX AND XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX, has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX, XXXX AND XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than needed dealt with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2023-07-11
Company: EQUIFAX, INC.
State: NV
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 Reported XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX A Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/202XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX  Reported XX/XX/2023 XXXX XXXX XXXX  Reported XX/XX/2023 XXXX Reported XX/XX/XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/20XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2023 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: ID Analytics, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!

Company response to consumer: Closed with explanation