BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Long & Foster Financial Services, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our mortgage on our primary residence in XXXX, reclosing on the new loan on XX/XX/XXXX. 

Our primary goal was to get rid of PMI on our loan, though we also sought a lower interest rate, lower monthly payment and would have liked to get some cash out to pay off a vehicle. We could have done a streamlined refinance through our existing lender to simply get rid of PMI at considerably lower cost. 

We live in the City of XXXX. Last spring, the City raised taxes exponentially. The notice of " proposed '' property tax increase was sent to all property owners, and well-publicized around XXXX ; it was covered in the mainstream media, and well known to industry professionals. We challenged the property valuation, and brought the valuation down by approximately {$25000.00}. Nonetheless, our property taxes increased by {$1000.00} between XXXX and XXXX. This was not a surprise. 

The lender was only able to offer a modest reduction in our interest rate, from XXXX with our previous lender to XXXX with the refinance. PMI would be removed, we could not get cash out. The representation in reduction in our monthly payment was largely due to an underestimation in our property taxes, which we did not realize were based on our XXXX property taxes. So while our total monthly payment, including principal, insurance and property taxes, would go from {$1400.00} to {$1100.00}, that was based on inaccurate information. Now, less than 6 months after we financed an additional {$6000.00} into this loan due to this refinance, we received notice that our escrow account is inadequate, and our new payment will be {$1200.00}. Had we simply done a streamlined refinance with the original lender, eliminating the PMI in the amount of {$100.00} per month, there was no reason to incur the additional debt for a half percent savings on the loan. 

I brought this complaint to the mortgage broker, Prosperity Home Mortgage. The Senior Mortgage Consultant, XXXX XXXX told me that, " by law we can only collect escrows for what is actual at the time and the only tax bill available was for XXXX since the XXXX tax bills don't come out until XX/XX/XXXX. '' She has since stopped returning my calls since I asked her to identify that law, since I do not believe there is any such law. Her statement is inconsistent with the law I found, which provides that escrow can provide a discretionary 20 % cushion for such increases, in addition to which WE HAD NOTICE of this increase. This industry is based on speculation. For something as certain as taxes, it is absurd and irresponsible that they would not request the data we had available, and rely upon it. 

We were misled, and now incurred a needless {$6000.00} of expense. I am requesting refund of the fees paid to this company, for either intentional or negligent misrepresentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

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 2022-12-31
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Resurgent Capital Services L.P.
State: AL
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:
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: FREEDOM FINANCIAL NETWORK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband entered into an agreement in XX/XX/2019 with Freedom Debt Relief and it's been a disaster since the beginning. The first debt they settled had issues with XXXX saying they didn't get the full amount promised in the settlement and we had to go back and forth with FDR. Then, the second card for XXXX XXXX XXXX just recently settled and it's basically the amount we are depositing to FDR each month so that leaves the last one XXXX out of luck basically unless we deposit between {$300.00} - {$500.00} extra per month. We were served a lawsuit by XXXX about a month after the initial date on the papers and now are being represented by a law firm in OK. We sent all the signed papers back right away and never heard anything from them I had to reach out to ask what is going on. It's been a back and forth. FDR has been absolutely horrible. I filed a complaint with the Attorney General 's office as well and they just responded with of course they have done nothing wrong. Along the way, they tried to get us to do a consolidation loan with them since I'm sure they realize the plan isn't going to work the way they sold it for the amount of money they told us we'd have to pay. Bottom line we were told to pay {$310.00} a month for 4 years and your debt will be paid. This is not true. They are a total and complete rip-off and are deceiving consumers right and left. I see there were multiple class-action suits and they just pay millions of dollars and continue doing what they were doing. It's shameful. I working with the attorney they appointed who is also no great shakes mind you and hoping to settle that debt directly with XXXX outside FDR. Then contact XXXX XXXX XXXX  and try to pull that out of the program as well. Then I want to sue FDR to get any fees we paid to them back and a sum of money for the emotional stress this has caused my husband and myself. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
A company, Transworld Systems Inc., is attempting to collect an unpaid toll claiming to represent the XXXX  XXXX XXXX. I have checked the XXXX website and checked my information and found there is no outstanding tolls attributed to me. This company is committing fraud through email. I have replied and told them to stop. 
Here is their company information : TSI Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
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:
Fruad Account reporting on my credit reports. 


XXXX. XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Have several of ( SYNCB Old navy hotel and travel ) listed please remove from my report my credit was on a freeze and no one was able to gain access. Please remove and im not sure why SYNCB Old navy hotel and travel is on here never applied. I do not even have an account associated with this company. Dates listed on my report are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-02-12
Company: Paypal Holdings, Inc
State: NY
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:
Starting in XXXX I tried to make aXXXX XXXX  purchase using my XXXX XXXX credit card on XX/XX/XXXX for XXXX. The order went through XXXX however there was no email confirmation because paypal ( which I did not choose ) said : PayPal is committed to complying with and meeting its global regulatory obligations. As part of our regulatory obligations, we regularly screen information and payments transacting through the PayPal system. We recently identified an issue regarding your transaction activity that requires additional review. 

XXXX : Regarding Your PayPal transaction ( XXXX ). It requested I submit two personal information to use my credit card payment directly with XXXX I did not upload as I expect my charge would not go and will get refunded. I since purchase it the item on XXXX using the login paypal method. I encountered this error 2-3 more times until recently on XX/XX/XXXX where paypal limited my account. Going through my history, paypal as committed charges when the order was nullfied from XXXX  because paypal committed to complying with thier global regulatory obligations which permanently making charges if you do not submit information to them. I have bank receipts where there are over 5 charges since XX/XX/XXXX which they have not refunded. Please contact me as I'm also trying to submit this to lawyers to sue paypal for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM 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 2020-01-28
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
CITI CARDS/CITI BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my 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 2023-01-27
Company: Experian Information Solutions 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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2023-03-03
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: Old information reappears or never goes away

Complaint:
Goodwill Letter to XXXX XXXX In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The XXXX XXXX account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old XXXX XXXX account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/XXXX  an application was extended on behalf of the principal and was discriminated against. i gave them notice of who i was and what i needed them to do. i showed them that they were in violation of my right to credit and they still would not extend my credits. This is discrimination and security fraud. i have given them notice over eight times for a whole month about there misconduct to know a vale. this act of dishonor is hindering me personally and my household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE 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 sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.

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 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There is no date, the company shut down my account for no reason specific , and is threatening to report me  from opening other 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 2021-06-09
Company: CCS Financial Services, Inc.
State: MA
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 5 medical bills on my credit report 3 are for {$140.00} 1 is for {$140.00} and another for {$140.00}. I have called the collection company several times over a couple of months now asking them to validate the these my bills. They still will not sending me something showing that these are in fact my bills. I have also contacted XXXX as well and have disputed these three times with them. The only thing I have received from the collection agency is a invoice with the collection company logo showing I owe {$720.00}. I do not feel this is a validation of my debt. I feel I have a right to see the validation of the debit to show me it is mine and not for someone else.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Pressler and Pressler, a debt collection lawyer, is trying to garnish my wages for a debt I do not have, or know anything about, from XXXX XXXX XXXX. XXXXand XXXX says it represents XXXX XXXX XXXX. as well in this matter. I have not had a loan, nor a credit card from anyone in over 20 years, let alone XXXX XXXX. They don't state what type of debt it is, nor do they state the amount, nor any dates regarding this " loan '' .This sounds like a scam on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I hope everything 's going alright! I sent you a dispute letter on XX/XX/2021, but I haven't heard anything from you, and its been over XXXX days already. I await for your response and I need those errors on my report to be deleted as soon as possible. I am reattaching my most recent dispute letter so please check and conduct a proper investigation.

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 2020-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XX/XX/2020

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 2022-07-05
Company: Experian Information Solutions 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:
Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my instructions

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 2021-03-27
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, 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 a account without my written instructions

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 2019-03-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to dispute a cable bill with XXXX because it has been paid XX/XX/XXXX. XXXX has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed 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 explanation