BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, I had asked my Mortgage provider, XXXX Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with First American Title Company and exclude it. Neither the bank nor the First American Title Company never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in First American Title company. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around XXXX weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I bought a used car from XXXX XXXX in XXXX, Virginia through Consumer Portfolio Service, Inc ( CPS ) .. The loan was approved through the dealer on this date and I took delivery of this vehicle, XXXX XXXX XXXX. 

On XX/XX/XXXX I received a voice mail from CPS stating they needed information about XXXX direct deposit on banking statement. I called CPS on XX/XX/XXXX at XXXX the guy who answered stated his name was XXXX, I called later and his voice mail said, XXXX XXXX ( not sure of spelling ). XXXX XXXX asked how much did make from XXXX and how often did I work for them. I told him my loan was based on my retirement not on XXXX. I asked him why he needed this information and I did not understand. XXXX XXXX asked if he put me on hold to ask a question. He came back a minute later and stated, " I do not need this information, everything is fine ''. 

Later this day I received a call from XXXX XXXX from XXXX XXXX, Financial Manager, whom stated CPS called and said the financing for the vehicle fell through because I refused to give CPS  information concerning XXXX. This was not true since XXXX XXXX stated he did not need this information. 

The last time I XXXX for XXXX was XX/XX/XXXX. In the two ( 2 ) weeks since I bought this car on XX/XX/XXXX, I have not XXXX for XXXX. 

CPS lied and slandered my name when they reported to XXXX XXXX that I refused to give them information about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
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 XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights 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 instruction.

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 2019-10-13
Company: Meridian Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We made numerous payments & then we let them know we can't afford this an we wasn't told we were getting into a financial matter as truly being responsible for a property we would never use or understood the structure I felt we spent over 1000s of dollars for us to have a amount {$3900.00} owed when they explained to us the property would be sold an wiped out for the price being sold after signed documents which we did. I was also only XXXX at the time in XXXX just walking down the street with my lady friend when we were pulled an told for a quick 15 minute video watch we could receive free stuff which is no problem but it seemed weird when we said we wasn't married an they told us to put we were.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 from XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have asked XXXX, and Transunion for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX with absolutely no proof Just a bill with my name that looked like my XXXX XXXX XXXX son could have made on word. 
so my question is if I cant get propper validation from XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: ID
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 don't recognize this accounts. I never applied for this companies, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently closed on a new conventional mortgage loan through my local lender, XXXX XXXX XXXX , XXXX, located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

Shortly after settlement, the loan was sold to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, and appears to have been immediately re-sold to Flagstar Bank. The loan closed on XX/XX/2019, with a first payment due date of XX/XX/2019. 

I received a payment notice in the mail from both XXXX and Flagstar requesting I make my XXXX payment to both companies. Additionally, the monthly payment notice from XXXX had the correct total monthly payment due, but the payment notice from Flagstar was missing my school tax escrow, so the payment amount they, ( Flagstar ) was requesting was incorrect. I have been going back and forth between XXXX XXXX,  XXXX and Flagstar to try and get a resolution to this, but to no avail. 

In fact, I did a soft credit pull and both XXXX and Flagstar are listing the same mortgage, which has caused my credit scores to drop. 

To add insult to injury, Flagstar recently me a letter claiming my Homeowners Insurance has expired, when this was completely paid in full at closing. 

This comedy of errors on the part of Flagstar bank has caused much emotional stress, and caused my pristine credit to suffer. I have been trying to get this issue resolved for the better part of a month to no avail. 

This is a disgrace and Flagstar should be investigated for their poor loan servicing.

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 2022-03-18
Company: EQUIFAX, INC.
State: CO
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, 1. XXXX - XXXX XXXX XXXX ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX 4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: AZ
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 recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Columbia Collectors Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference : Account # XXXX Delinquency reported since XXXX This Collection company, XXXX XXXX XXXX XXXX reports me in Equifax credit report company forever since this debt {$390.00}, which i am not owed them. I have been disputed with Equifax and this collection company many times since couple years as wrote and called them, but no resolving problem. Short story, around XXXX I was visited Dental office in my hometown, this office made mistaken by had done some things over charge, or unauthorized charge on my medical bill without my signature and approval in case of over limited health insurance. This cause me become the victim of collection fraud and bill fraud!!!! Pleas help me to resolve this problem not to harm my credit, and threat me fairly. Thank you! 
Note : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Client Medical/Health XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Experian Information Solutions Inc.
State: SC
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:
There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only XXXX but as well as Experian, and 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 2022-04-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Monday XX/XX/2022 I called Equifax after applying for an apartment and the apartment saying they couldnt pull my credit report. I spoke with a rep who verified me with a link where I uploaded my drivers license ( front and back ) and a selfie to prove my identity. He then said everything was fine on their end, no freezes or issues, and that it must be the rental agency. The rep said I could create an account and pull it myself so I attempted it while on the phone with him. I immediately got an error code NH which means no hit so I wasnt able to access the report. The rep said he would escalate the issue but Im now at risk of losing out on the apartment if they cant pull this report. They refused to email me the document or get me immediate access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to contact company HR Accounts several times to remove of my report because it was due to identity Theft and I Have called asking for it to be removed as it is hurting my credit file. I have evidence showing that I was a victim of identity theft. They refused to remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the XXXX breach. The name listed on the account is not my name, so now I have a copy of my lease!!!

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 2017-07-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy in XX/XX/XXXX. All my accounts were handed over to a law firm. I checked my credit report in XX/XX/XXXX and  noticed that all my accounts have been closed and discharged except one from XXXX XXXX for {$1600.00} ( originally from XXXX ). I look up their phone number and call ( XXXX ) XXXX to get an account number so I could dispute since I have recieved nothing in writing prior. I speak to rep that transfers me after I provided my social. The second rep proceeds to verify my identity and then tells me that they will not provide me with even an account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: CA
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 Report Act, XXXX XXXX XXXX - ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Has violated my rights. 


5 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.

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 2021-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a collection account that appeared on my Equifax that stated the original creditor was XXXX and is now under collection with XXXX as of XXXX2021 in the amount of {$230.00}. There was never a collection account or negative reporting from XXXX. I have tried to join and pay Equifax to dispute this online as my current employment wont allow phone calls within Equifax customer service hours M-F, XXXX. I have signed up to file a dispute and had to get my pin mailed to me from Equifax. I have gone thru their online verification process and added my credit card to pay for monitored services and entered the verification code that that sent thru the postal service and am STILL NOT able to access my report and be able to enter a dispute. It has been over XXXX weeks and I would like to have access to my online report and dispute this erroneous collection. I have very limited time and thought my best approach would be to contact the Comsumer Finance for help on the removal of this collection and to let Equifax know that this type of issue is very concerning. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX-XXXX-19 today was my 3rd call trying to get experian to unfreeze my credit! I have done everything they have asked, its not my problem that the system they use XXXX! Ive tried the website & calling nothing is happening, I cant get a ace to live or a car cuz of this!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of this year XXXX, I received notice that my condo insurance provided by XXXX XXXX XXXX XXXX would be cancelled XXXX The mortgage servicer XXXX XXXX  and the condo insurance provider agents refused to speak to each other until I conferenced them in on XX/XX/XXXX. Overnight details to make payment were shared yet I came to realize towards the end of the month that a payment was never made, no attempts were made to follow up or confirm that the payment was received. I saw that {$590.00} to pay for the one year of premiums was released from my escrow account but I still had to pay to reinstate the plan out of my pocket in addition the released escrow funds. I paid for a quarter in the hopes that the money would be found. Today I received notice from the insurance provider via mail after a quarter of payment that my condo insurance policy would be cancelled again if I did not pay for the year. Once again, I paid out of pocket. But now I am out {$590.00} dollars because the escrow has not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights 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 instruction.

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 2022-03-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

Company response to consumer: Closed with explanation