BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home mortgage with Freedom Mortgage in XX/XX/XXXX. At that time, I was instructed that I would have to pay MPI for at least 5 years before it could be eliminated as a requirement. The elimination factors for the elimination of MPI were 80 % equity value and no late payments. I have been in communication with the lendor of the course of the 5 years and in XX/XX/XXXX, I was told to write a letter to have the MPI dropped from mortgage after my 60th payment which was scheduled for XX/XX/XXXX. I did so and never heard back. Since then, I've written 4 letters and have had 4 phone conversations. None of my letters have been responded to and I am still paying MPI insurance. When I refinanced, the Home Value Appraisal was {$290000.00} and the refinance amount was ~ {$260000.00}. The loan balance is now {$220000.00}. which has me at 76 % equity value and I have never been late, making additional principal payments the entire life of the loan. I have requested that the MPI be eliminated and all payments starting with XX/XX/XXXX be refunded and applied as additional principal payments. Again, Freedom Mortgage fails to reply to me and take any action to remedy this situation. 
( Note that Freedom Mortgage did an internal conversion about 3 or 4 years ago from their previous processor, XXXX, to their own processing system. It seems that at that time, Freedom Mortgage inaccurately converted my loan balance into the appraisal value field. I have provided them the documentation from the loan closing showing that the value appraisal was $ XXXX, not $ XXXX. I do not want to pay for their conversion 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 explanation
Consumer complaint received 2021-02-17
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Filed claim # XXXX for {$600.00} on XX/XX/2021 to Suntrust Bank for XXXX transfer that was sent to fraudulent person/company. They denied and closed the claim XX/XX/2021 and told me to contact person directly which I did numerous times with no results. I filed police report online with no results either.

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 2018-12-14
Company: CITIBANK, N.A.
State: CA
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:
A purchase was made online for product " A '', but the item was no delivered, instead a product item " B '' was sent instead, with a modified invoice without my permission or consultation. 

Vendor ignored email requests for a return shipping label, after claiming to accept returns and refunds. 

Dispute was made to citibank via secured chat, full details including product model numbers were given. But days later, citibank reversed the temporary credit after vendor claimed they delivered the product. There was no follow-up from citibank prior to this claim. I further certified that I did not received the product as ordered, but instead was met with a citibank letter detailing that I needed to obtain a written permission from vendor in order to obtain a credit refund. Despite me stating I have evidences in the 2 chat, 1 email and 2 phone calls made to citibank. They have not made any attempts to obtain them or verify them from me. 

A phone call was made to the dispute department ( XXXX answered ), here I was appalled to discover that there was no means to contact the case person in charge, that the call was no recorded, and no information from that call will even reach the dispute department., and that the department had registered my dispute wrongly as non-delivered product and had decided to listen to a one-sided story from the vendor instead of verifying or consulting me in person. 

A letter was sent via the only method to possibly ( because I do not think they read it honestly ) reach the department ( as notified by the phone rep - XXXX ). Here in this letter, I detailed all email correspondences, XXXX dispute process, chatlog, photos of product B which was delivered in stead of A, including packaging and a invoice showing what was delivered versus what I ordered. 

The case was later closed by citibank with this exact remark : " Since there is no detailed description of the merchandise or services excepted to receive, we are unable to assist you in obtaining funds from the merchant '' Citibank has presented that their dispute department is incapable of performing due dilligences in dispute cases, unable to communicate even within their own departments, and extremely unwilling to allow customer to call them out on their fails.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number XXXX 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.

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 2018-12-14
Company: Island Finance Puerto Rico
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mrs XXXX at Island Finance frequently attempts to contact me at work after Ive told her on many occasions for months now that Im neither able to attend her calls during business hours and that my employer prohibits personal calls while on duty. Ive been clear that all communications must be made through my personal phone number and voicemail but she still insists on contacting me at work in spite of my requests. This practice is jeopardizing my employment and may in the end impact my ability to pay back my loan.

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 2016-07-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The XXXX account still remains on my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce XXXX. Equifax did not verify this information pursuant to the FCRA. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Equifax just like The case, " The Equifax class action lawsuit was originally filed in 2010 by plaintiff XXXX XXXX XXXX ''. XXXX claimed that Equifax violated the FCRA by the company 's allegedly erroneous reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Exeter Finance is continuing to show that my car that was paid off by XXXX XXXX is delinquent and/or charged off due to non-payment. I filed a claim through the credit reporting agencies, which came back saying that the information was true based on the information reported from XXXX XXXX. XXXX XXXX paid my car loan off completely in XX/XX/2020, when I purchased a new car through them. But, again it's showing up on my credit report as a charge off and or delinquent account. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Pursuant to the Federal Truth in Lending Act, 15 U.S.C. 1635, 12 CFR 226.23 and California Civil Code 1689. Westlake Financial was notified on XX/XX/2022 of my rescission of the credit consumer transaction entered on XX/XX/2022. I have never received any material disclosures informing me of my right to rescind under this subchapter. Per this subchapter, I am no longer liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void. This is the 1st instance of Westlake Financial violating my rights as a consumer. Westlake Financial has not provided the proper remedy to reflect the termination of any security interest created under the transaction in the allotted time of 20 days. As further evidence of the fraudulent contract that was entered with Westlake Financial, take notice to 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Westlake Financial has not provided clear and conspicuous disclosures to me, nor have I signed such material disclosures that would allow my personal information to be shared. This is the second instance of Westlake Financial not providing me with the proper material disclosures in connection with this credit consumer transaction. This negligence is not only unlawful but a clear violation of rights as a consumer have become highly injurious to her credit rating. Take Notice to 15 U.S.C. 1605 - Determination of finance charge. The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly to whom the credit is extended and imposed directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I paid a cash down payment in the amount of {$750.00}. This cash down payment being comprised with a consumer credit transaction that has a finance charge is unlawful and fraudulent behavior on behalf of Westlake Financial. This is the third instance Westlake Financial has violated my rights.

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 2021-12-08
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit karma account alerted me to an account placed in collection saying I owe the County XXXX, Virginia what I believe to be a personal property tax. I 'm more than sure this is an error because I 've been living in the state of Tennessee since late last year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Two unrecognized hard inquiries appear on my credit repot ( see attached ), from " XXXX XXXX '' and " CITI CARDS CBNA '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either XXXX or Citi.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: MI
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 need help.! I Have reached out to both parties and still no resolution. This company EXPERIAN is in clear violation of the law under 15 USC 1681b. For XXXX XXXXXXXX account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX account # XXXX. They have not done a full complete investigation regarding the above accounts like Ive ask! Failure to provide a proper investigation has caused myself and my family such stress and grief. Ive also filed a complaint with XXXX as well

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 2018-05-16
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:
I am a victim of Identity theft. Someone used my information to open an account with XXXX XXXX XXXX. I was alerted to an inquiry by Experian on XX/XX/XXXX after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXX I recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX. Including one from XX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX  XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/XXXX Received notification from Experian that they verified the account as mine and the dispute is closed. 

XX/XX/XXXX XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXX Was transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: WI
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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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 explanation
Consumer complaint received 2021-02-17
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I obtained a loan online from cash net USA and after several repayment costs were withdrawn from my bank account I raised concerns about the payments not being subtracted from my overall balance even tho they were paid, I could not get in touch with ANY employees from the company. I worked with my financial institute for several weeks and after not being able to get in contact with anybody my bank was forced to stop payments and the company sent the balance to small claims court. I still have not been able to reach anyone from the company only a lawyers office threatening to serve me at my place of work if I did not pay electronically a total of {$3000.00} immediately of the {$1500.00} payday loan received. The payments made have still not been taken off of the total balance of the loan at this time.

Company response to consumer: Closed with explanation