BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I closed on my home HUD ( XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at closing, as is common, I prepaid homeowners insurance for 12 months. Within the first month, I began receiving late notices with regard to my homeowners insurance being late however, it had been paid in full at closing. 

My lender ( Freedom Mortgage ) was also contacted by the insurance company regarding the insurance and subsequently, I received correspondence threatening forced placed insurance. I contacted Freedom Mortgage and my insurance company to no avail.

On or about XX/XX/XXXX, I had been forced into a situation where I had to take action. I contacted a new insurance company ( XXXX ) and obtained new homeowners insurance. Within 30 days, I eventually received a refund check from XXXX XXXX XXXX when they realized they had alread been paid. 

On or about XX/XX/XXXX, I received a letter from Freedom Mortgage that my escrow account was short. I contacted Freedom to be informed that they found my account to be short thousands of dollars! 

Upon further investigation, about 2 weeks later, I discovered that Freedom Mortgage had, without my knowledge or consent, paid over {$1000.00} additional out of my escrow account in homeowners insurance ( knowing it had been paid at closing only 30 days earlier ). 

The customer service representative seemed as shocked as I was when we discovered where the monies had gone. However, I was subsequently informed that I would have to recover the missing funds, was provided no time to recover the money, and was provided no assistance with documents I requested regarding pay outs, etc. I was also informed I would need to pay additional payments as they were raising my monthly mortgage payment. 

I sent a letter to Freedom Mortgage on or about XX/XX/XXXX requesting they temporarily return my payment to its original amount, provide payment related documents, and assist me in the recovery of the missing money they had mistakenly paid out. 

I have received threatening calls and multiple collection/threat letters, but no answer or assistance from Freedom Mortgage. I can't even prove any additional monies were paid out without their assistance. 

I had no knowledge of any additional payments erroneously paid by Freedom Mortgage and believe it is ludicrous that I should be blamed and saddled with the burden of inflated monthly payments and the collection of my money which had been held in trust by Freedom Mortgage. 

I will work with the lender to solve this issue but I need assistance. I did not have any idea that these funds had been mishandled and should I have known, I could have been attempting to correct the issues. 

Please feel free to contact me XXXX. 


Thank you, 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2018-06-04
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:
In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.

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 2023-07-30
Company: EQUIFAX, INC.
State: LA
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:
ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX  2. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 4. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I may a purchase but I could'nt find receipt, however when I went to store I was told that they could assist in returning item charged on credit card.

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 2022-09-15
Company: EQUIFAX, INC.
State: IL
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:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXXBalance : {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank of America has frozen a XXXX transaction because the word XXXX was in the message. XXXX XXXX XXXX XXXX and my only income is SSI boa is abusing the XXXX and stole money from my account. The transaction was from boa to XXXX XXXX base in united state.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX  XXXX XXXX : {$2700.00} ; 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: Education Principle Foundation
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I was placed on a student loan as a co signer without my consent or physical presence to sign the loan. I have finally received copies of the loan documents that prove that fact. i have reason to believe that the Art institute of Austin TX allowed my step daughter to fraudulently sign my name to the loan as it appears to be her handwriting. there is another loan taken out the year prior ( XX/XX/XXXX ) for which i did actually sign and accept cosigner responsibility.. if you compare the signatures you will see vast differences in signature style. At the time of the first loan being taken out, i also provided my drivers license to be photo copied and placed in the record. I believe that for the second loan, the school pulled the copy of the license from the first loan and re-copied it to place in the second loan file. you will also notice the signature on my drivers license matches the first loan from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-12-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im Try to Freeze all Three of My Credit Bureau I Think Identity Theft is Being With My Credit Bureau and address and emails, Name, Number, and Passwords and other websites credit Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Draper and Kramer Mortgage ( DKMortgage ) and completed the initial application form. On XX/XX/21 I received a notice that the application had been denied due to lack of documents. While I was aware that I still needed to provide some documents, I did not know we were in jeopardy of being denied. I did not see any notices from DKMortgage warning of approaching deadlines, and I did not receive a call. Had I known, I would have done whatever was required to turn in any outstanding documents. As a result of the denial, I am prohibited from applying for a loan with DKMortgage for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I signed up for 2 month deferral and they granted it to me mid XX/XX/2023 after i lost my job but they did not complete the paper work in their system ... so around mid XXXX they sent me a letter i was in default and in a few days would repo mycar ... so they approved me again for the 2 month deferral and I saved my car from being taken and they still ruined my credit in 2 areas on my XXXX XXXX  for all bureaus .. and will not fix it.. i took a huge dip in my scores because of them and this one area still says i was late in hte 30 to 60 day area and that is ruining my good name of years of on time good payments with all creditors and i am trying ot buy a house very soon.. I demand they fix all areas that show any thing negative about me and reverse the comments back to never late etc..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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:
Experian Consumer Bureau is reporting unverified, un-validated errors on my credit report. after several attempts to dispute the errors ' they refuses to correct or update the file ; unlike the other consumer bureaus which have made the necessary corrections. Some of this errors are fraudulent, and could not be verified by the furnisher and the bureau refuses to properly investigate. This Agency is doing whatever they to want and not following any of the laws ; FCRA. Section 617,609,611.

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 2019-04-25
Company: EQUIFAX, INC.
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:
the following account names XXXX XXXX, is not my account it is reporting under equifax only, this is an inaccurate reporting, i have disputed several times, they say comes back verified, this is inaccurate they are not disputing this correctly, and needs to be removed and blocked from my equifax credit file please help me to do so, appreciate thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My Capital One Menards Big Card # : XXXX is lost/stolen and has {$3500.00} of fraudulent transactions/charges on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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