BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our original VA loan was with XXXX XXXX XXXX. As of XX/XX/XXXX, Freedom Mortgage took over the loan for our home. We accepted a purchase offer on an adjacent piece of property next to our home. There is no mortgage on the property being sold. On XX/XX/XXXX our lawyer contacted us and said that the property being sold was part of our mortgage. It isn't. We contacted Freedom Mortgage and explained that the property was not part of the mortgage. The acreage on the loan document does not include the acreage of the land being sold, it was not included on the appraisal, the taxes and insurance are not in escrow. The only place in the loan document that refers to that piece of land is in appendix A. It is clearly a mistake. We explained this to the reps at Freedom Mortgage over and over. They said that they would look into. We called multiple times a week for updates, nothing was being done. On or around XX/XX/XXXX Freedom Mortgage was getting the tax and legal department involved to resolve. We continued to call for updates, nothing. On XX/XX/XXXX someone from Freedom E-mailed the legal department asking for an update, nothing. On XX/XX/XXXX a lawyer hired by Freedom Mortgage contacted me to review the situation. She immediately understood the issue and said it would be no problem to resolve this. She felt the best course of action would be to do a lien release. She filed the paperwork with Freedom Mortgage to be signed on our around XX/XX/XXXX. The lawyer said that due to the holidays, Freedom Mortgage probably wouldn't sign until after the XXXX of the year. I contacted the attorney on XXXX, no response. Again calling a couple times per week, getting no answers or updates. Finally on XXXX the attorney said that the documents were sent to the county clerk for filing. I contacted the county clerk, she said the documents were returned to Freedom Mortgage because they were missing information. Freedom Mortgage corrected the documents and sent them back to the clerk. On XX/XX/XXXX the clerk sent the attorney a message stating that there was still missing information. We spent 50+ hours calling and getting nowhere. We have done everything in our power to get this resolved. Here it is 17 weeks later and we still can't close on our property. We feel this unacceptable service and shows a lack of competency on the lawyers part. Can you please help us? We are desperate.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my daughter to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts

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 2020-12-09
Company: EQUIFAX, 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:
Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of Equifax Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please review case XXXX XXXX I received a response on the above case with the following message " complaint appears to be a duplicate ''. Why was my response, " This complaint appears to be a duplicate '' printed in a font of 18. The font size used was a sign of disrespect on the part of Wells Fargo. Why was it necessary to print this response in such a large font that I could read it from across the room. I have already closed two account with Wells Fargo due to continuous errors on the part of Wells Fargo. I can also close the two existing account I have with Wells Fargo at any time I choose. After all the fraud accounts and all the sanctions placed on Wells Fargo I would think Wells Fargo employees would and should have a litter more respect then what you just showed me. Please explain why you feel this was a duplicate complain. It was Wells Fargo error that mail was sent to my address. If this error would not and should not have occurred I would have had no reason to file a complaint with the CFPB.

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 2020-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax does not allow me to send updated information online when I try to login in with my corrected information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The following information either TransUnion or XXXX are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either TransUnion or XXXX is showing the same XXXX account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.

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 2020-12-09
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 someone named XXXX XXXX was able to log into my account and transfer {$470.00} from my account to her. I dont know who that is so I did a unauthorized transfer through Chimw and they denied me. I even did a police report and they still keep denying me and saying there was not an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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 status incorrect

Complaint:
My XXXX XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my XXXX XXXX dept of Education student loan balance on XX/XX/2009. 

The same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 
During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and XXXX  and Equifax, mishandled the reporting of the consolidated loan, to a separate loan and line item. 
I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated, meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX continues to try to bill me for services provided by a hospital that has my medical insurance billing information. I am a XXXX XXXX XXXX Veteran and have full health coverage covered by the Veteran Affairs. I had an emergency that required a local hospitalization and have been bullied since going to the hospital. They send letters, hire multiple companies to call and harass my family. Why are they trying XXXX collect payment from a XXXX Veteran that doesn't pay for health care? Bill the XXXX VA! This is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Dovenmuehle Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I began construction on a new home and the loan for construction with XXXX XXXX XXXX XXXX XXXX XXXX was secured by both my original home, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri and my new home under construction, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri. 

After construction was complete in XX/XX/XXXX, I sold my original home ( XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX transferred the servicing of my mortgage to XXXX. ( Also, I work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, XXXX paid real estate taxes from my escrow account for both of the properties that secured the original construction loan. They paid {$1000.00} for my current address that secures my mortgage ( XXXX XXXX XXXX XXXX ) and they paid {$1500.00} for the real estate taxes on the property I no longer own ( XXXX XXXX XXXX XXXX XXXX. I contacted XXXX through their secure messaging service when I noticed the error on XX/XX/XXXX and again on XX/XX/XXXX. They replied saying that they would research the problem. After a week and noticing no change in my escrow account, I called XXXX 's customer service line. The representative said that it was an error and that she would forward my complaint to their escrow department to research and the problem would be resolved in XXXX business days. 

I received a message on XX/XX/XXXX from customer service saying that the problem would be researched and would be resolved within XXXX business days. 

On XX/XX/XXXX, I sent another message to XXXX through their secure messaging system. 

On XX/XX/XXXX, I emailed the loan servicing department at XXXX XXXX XXXX XXXX XXXX XXXX to see if they could help to resolve the issue with XXXX. My issue was forwarded to XXXX 's client services. 

On XX/XX/XXXX, the extraneous property was removed from the escrow section on my online XXXX account, but the money that was spent on the wrong real estate taxes ( {$1500.00} XXXX has not been returned to my escrow account. 

I worry that XXXX has no interest in resolving the problem, since I have little recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX and Transunion continue to report the status of the following accounts as Account not disputed. XXXX XXXXXXXX partial account number XXXX ; XXXX XXXX partial account number XXXX and XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXXXXXX partial account numbers XXXX and XXXX ; XXXX partial account number XXXX ; XXXXXXXX XXXX partial account number XXXX. XXXX  continues to report the status of the following accounts as Account not disputed. XXXX partial account number XXXX and XXXX. XXXX and Transunion continue to report the status of the following account as Account not disputed. BONDED partial account number XXXX Transunion continues to report the status of the following accounts as Account not disputed. XXXX  partial account number XXXX and XXXX XXXX  partial account numbers XXXX ; XXXX and XXXX. ( I have attached my credit report for reference. ) I have contacted the bureaus on multiple occasions to in fact dispute the validity of these accounts. The bureaus are not even making an effort to investigate and report the status correctly that these accounts, are in fact, in dispute. I respectfully request that the bureaus do their job and either remove these line items and/or update the status to report these accounts as Account in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. This false reporting is seriously harming my credit score.

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 2020-12-09
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- XXXX XXXX : I applied for a re-finance of a mortgage that was currently serviced by BB & T. The loan officer handling the request was XXXX XXXX ( NMLS ID XXXX ). I expeditiously submitted all financial information requested. 

XX/XX/2020 : XXXX told me that as a part of my approval process, I would need to submit a 60-day ledger of my checking account activity in order to apply a monetary gift ( from my family ) to the approval process. 

-XX/XX/2020: XXXX XXXX loan processor sent me a notice ( via email ) that my re-finance had been submitted to underwriting -XX/XX/2020 : After hearing nothing from XXXX for weeks, I told him if my re-finance could not be approved by XX/XX/XXXX, I was no longer interested. Other financial institutions were processing re-finances within 60 days, so I was more than patient with an almost 90-day time period from XXXX/BB & T with no resolution. 

XX/XX/XXXX : I emailed XXXX 's processor ( XXXX XXXX ) that I was no longer interested in the loan since it had taken so long. XXXX immediately emailed me back and I confirmed with him that I would like to end the loan process. He confirmed with : " OK, have a good one ''. 

XX/XX/XXXX : I received a " Statement of Credit Denial '' from BB & T dated XX/XX/XXXX. I called XXXX because, as he indicated to me, the loan application had been withdrawn so I was confused. He mentioned that my credit was denied because a gift letter was not attached to the application, and at that same time he confirmed that my loan had been withdrawen. 

... ..so here is the complaint : 1 ) XXXX did not tell me a gift letter was required by compliance for approval. He told me a 60-day checking account ledger " would work '' ( email attached ) If I had been given the correct information at that point, I would have immediately withdrawn the loan. 
2 ) XXXX did not tell me, when I requested the loan application be withdrawn, that it was essentially too late because at that point it had apparently already been submitted for final approval. 

XXXX 's actions and lack of information ( or false information ) have harmed me because by " denying '' me credit ( for a loan I no longer wanted ) can harm my credit rating and ability to receive favorable consideration for future credit applications.

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 2018-09-26
Company: Experian Information Solutions Inc.
State: UT
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:
XX/XX/XXXX I asked them to update my account payment status on my credit they refused.

XX/XX/XXXX I entered I knew settlement agreement and I am current on my payments.

Also my current balance is XXXX not what they have posted online they will not update

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 2020-12-09
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I pull my credit report and found out that RMP LLC : ORIGINAL CREDITOR : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The RMP LLC, did not response with in 30 days. By not replying in timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of XXXX, XXXX XXXX, No. XXXX, XXXX XXXX XXXX XXXX. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in XXXX XXXX XXXX XXXX XXXX, No.XXXX XXXX XXXX. XXXX XXXX, XXXX ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have submitted multiple request to remove wring addresses and still have not removed the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Professional Recovery, Inc.
State: IN
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:
On the date of XX/XX/2020, Professional Recovery Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and claim that it is mine. According to the FCRA, Professional Recovery Inc. has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collection company ( Jefferson Capital ) that informed me an account from XXXX was sold to them with a debit owed in the amount of {$2800.00} in my name from the year 2017. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact XXXX at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is 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 explanation