BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan No : XXXX Freedom Mortgage keeps applying Escrow balance to every months auto payment. They know that I have selected no Escrow for my mortgage where I am paying separately for Mortgage insurance and city taxes. In-spite of calling every week and this issue is ongoing for the past 6 months, Freedom Mortgage has failed to resolve this internal clerical error that they have. They are not helping. 

It is unethical to charge a customer Escrow balance for insurance when I told them I do not want their bank issued insurance coverage. I have provided proof of coverage continuous since 2014. My Mortgage payment has gone up because of this unethical and unauthorized escrow balance. 

Freedom mortgage has created a Escrow balance of {$11000.00} that is entirely fraudulent. I called Their bank owned insurance company and there is no insurance policy set up. They are figuring out these alternate means to cheat customers and collect additional funds beyond the normal interest rate they earn through mortgage. 

I did a little bit of research for Freedom mortgage and there are many complaints about this mortgage company applying the same schemes to cheat customers and collect additional unauthorized funds on the mortgage.

I believe serious actions need to be taken to penalize this organization for their unethical business practices. I have wasted hours over the phone every week trying to resolve my situation but the outcome is going nowhere.

Regards, XXXX XXXX XXXX Please read the following supportive links : 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 explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  / XXXX / {$1000.00} XXXX XXXX / XXXX / {$76.00} XXXX XXXX XXXX XXXX XXXX / {$9100.00} XXXX OF XXXX XXXX XXXX / {$440.00} XXXX CARD XXXX XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2019-10-11
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called sagestream llc NUMEROUS times as well as faxed, and certify mailed them my personal information regarding disputing negative information on my report that does NOT belong to me as well as getting a security freeze and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I just received a secured platinum credit card for capital one. I put down {$49.00} for a deposit and had a {$200.00} limit. I tried several times to make a payment, but for some reason it was trying to take the money from my old checking account. I didn't realize why it wasn't going through and added a debit card to pay the bill that way. It took the {$100.00} from my bank account but when I checked my account it said it was now restricted. I called into make sure the payment with through but they've told me they have just closed my brand new account. They told me I could apply again, but when I just did, I was now denied for the exact card I had had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BB&T CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a total of {$1400.00} was taken from two personal accounts as an off-set recovery for a debt owed by an XXXX. I was a member of the XXXX along with my husband. When the XXXX was opened in XX/XX/XXXX a bank account and business credit card was opened with Branch Banking and Trust ( BB & T ). The credit card was in default after a steep decline in business revenue and the XXXX  was in the process of being dissolved. I personally bank with BB & T and on the morning of XX/XX/XXXX, I noticed my personal bank accounts had money extracted from them as an off-set recovery for the XXXX 's credit card. I believe that the bank had no right to collect monies owed by the XXXX through my personal earnings. My earnings are from a full-time job that is not part of the dissolved business/XXXX. I 've contact the bank and spoke with XXXX XXXX, Market Leader III who called BB & T on my behalf as she too was under the impression that they could not collect against an XXXX She also noticed that the business/XXXX bank account had been set up improperly.

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 2022-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly unpaid student loan collections for DP OF EDUC and XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

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 2021-08-18
Company: Strategic Alliances, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a victim of identity theft I've sent the identity theft report and the police report to XXXX and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but XXXX. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter from LVNV funding stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX 2016 I have a hard inquiry on my credit report from CBNA. I had not authorized an inquiry, requested credit limit increase or any such action on my 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 2019-10-11
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I submitted complaint number XXXX to the CFPB. In the last 6 months, I've sent 2 letters ( certified mail ) to Receivables Performance asking for debt validation for a debt they're claiming that I owe. This account is NOT mine, and I requested validation twice. They have not sent me ANYTHING back. The debt collector replied to complaint number XXXX and in their reply, Receivables Performance said this - " RPMs business records indicate a prior validation request as well as the documents being received from XXXX. It is unclear if the documents were sent to the consumer ''. They admitted they don't know if they actually ever sent anything to me. This is a violation of the Fair Debt Collection Practices Act and they need to remove the account from my credit reports immediately. They said in their reply that they would cease further attempts to collect on the debt, but they are continuing to report this erroneous account on my credit reports. This account is NOT mine and the debt collector NEVER sent me anything when asked to validate the account, and they admit they have no proof they ever sent me anything. I demand that they remove this account from my credit reports.

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 2021-03-25
Company: CITIBANK, N.A.
State: CA
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 have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove 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 2021-12-01
Company: Bread Financial Holdings, Inc.
State: NJ
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 did not apply for credit or authorize these companies to pull my credit report. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CMRE Financial Services, 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:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX  CMRE Additionally, I am allowed under the HIPPA 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 XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide 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. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : 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 2021-02-11
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot contacted me after I sought mortgage refinancing options and was looking for a lender to compare rates. They began with a very user friendly interface and took all of my required documentation. Now over two months later, they either ignore requests for updates or offer explanations that don't make sense. I've spoken with managers and it does not resolve the problem. I have a strong credit score, provided all necessary documentation, and have been told the loan was approved. I am legitimately concerned that Loan Depot is a scam and has simply stolen my financial information. 

This process began XX/XX/2020. The locked rate period has expired and I still have no information from Loan Depot about when the refinancing loan will close. I have chosen to take my business elsewhere but I am concerned about identity theft by Loan Depot. Regrettably, I did not find similar complaints about Loan Depot when I began the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a collections letter from AWA Collections dated XX/XX/XXXX. I called and asked for an itemized statement as all bills associated with this medical treatment had been satisfied. As of today, XX/XX/XXXX, I have not received any statements. Today, XX/XX/XXXX i received a notification that I have a collection on my credit. I called again and asked for the statement. I was told that a statement had to be requested in writing. I said i would submit the request but need to have this account put into dispute and removed from my credit. I was told that would not happen. 

Billing source : XXXX XXXX XXXX XXXX Balance : {$160.00} AWA Account Number : XXXX

Company response to consumer: Closed with explanation