BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: DHI Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We started our VA loan mortgage with DHI Mortgage due to buying a home through DR Horton and in order to get " incentives '' offered by the builder ( i.e. money towards closing costs, home upgrades, etc. ). We have had nothing but problems with both DR Horton and their mortgage company DHI Mortgage ( who originated our loan under the guise of " you have to use DHI Mortgage to get all these wonderful incentives '' ) since buying our home in XXXX last year. We received a notice from the mortgage company that bought out our loan from DHI, stating that our escrow account was UNDER FUNDED the entire first year of us living here and because of that, our house payment would be increasing by {$320.00} a month!!! That is outrageous!! After calling around and doing the research, it came to light that the " escrowed property costs over year 1 '' on our original loan paperwork and the amount on the property tax assessment record they provided at closing were 2 different amounts. When I called the XXXX County property tax office they told me that our mortgage originator and our closing attorneys were legally responsible for making sure our escrow account had enough to cover those property taxes since an escrow account is the account your mortgage company uses to pay your property taxes and homeowner 's insurance. I tried to call every number I had, or could find online, for DHI Mortgage, all of which are a " number that is not in service ''. I called the closing attorney, and they told me the same thing the property tax office did. The closing attorney wrote us a check for the prorated tax amount we never received from the builder. They also told us that we should not have been able to close because the amounts did not match. After still not being able to reach DHI Mortgage, we decided to drive up there on our lunch break today, XX/XX/20, and speak to someone face to face. We spoke with XXXX XXXX, and he openly admitted that DHI Mortgage was instructed by DR Horton, quite a few years ago, to base all loan paperwork 's " escrowed property costs '' on a class 3 homestead property exemption which is literally HALF of what it is supposed to be when buying from a home builder. If a property is still under the ownership of a home builder, it is LEGALLY required to be taxed based on a class 2 non-exempt property. Meaning that EVERYONE that has bought from DR Horton was supposed to have a significant house payment DECREASE after year 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts, including some business credit card accounts. Before they were closed, I had a significant amounts of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on 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 explanation
Consumer complaint received 2019-01-05
Company: Avant Credit Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Personal information incorrect

Complaint:
I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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 status incorrect

Complaint:
I received a letter today from XXXX XXXX who denied an inquiry for a personal loan bas

ed on One or more accounts are being administered by a credit counseling service, as reported by Experian. This is not currently accurate ( I did participate in such several years ago but have paid 100 % of those accounts off in full ). I reviewed my credit report on Experian but dont see this information. And I tried to submit a complaint but theres nowhere to write this type of concern on their electronic form. I do intend to write them a letter of complaint about 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 explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on 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 2019-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on 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 2019-01-05
Company: Credit Associates, Inc. (MO)
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband had medical debts that went to collections. The collection agency went after me and reported these debts on my credit report only. I objected to them reporting it on my credit. I objected to to the fact that the collection bills come only in my name. We do not live in a community property state. The collection agency insists that the debt is my legal responsibility and that I have no recourse in this matter. This has damaged my credit score making me unable to buy another vehicle at a decent rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Information belongs to someone else

Complaint:
i am a victim of identity theft, please see attached documents

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 2019-01-05
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit report I noticed a new inquiry from a company called WILLIAMS AND FUDGE INC. The company is reporting negatively and I have no clue as to who or what this  company is as they have not mailed, emailed, or called me regarding the debt prior to reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit Bureau XXXX  has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also trans union has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed thank you

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 2022-08-05
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased cellphones and a cellphone plan with XXXX XXXX XXXX XXXX in our agreement i paid for unlimited service and the cell phones in installments all on XXXX plan XXXX payment per month. in the beginning of XXXX i attempted to pay my cell phone plan. instead of paying my service plan XXXX paid the cell phones off and disconnected my service. i assumed this was a mistake do to there automated system. i called and wanted them to fix the problem i explained that i did not authorize such payment. the payment i sent was to be applied to the service plan as agreed upon in contract and they would not fix this problem. 

I am a XXXX  and the phone number tied to this account has all of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i tried to just get the phone number and they would not agree to release the phone number to me. The phone that i purchased from them that is paid in full is still locked to this day so i had to purchase another one as well as service with another provider. Now as of XXXX they have furnished a XXXX collection account on my credit through convergent outsourcing without notifying me of such debt. i explained to them that i had no knowledge of debt. i don't understand where they get that amount from. i have attempted to get my payment records and original contract from them for proof and they are giving me the run around. 

I have reached out to both XXXX ( XXXX ) and convergent outsourcing to clear this up and remove it from my credit. XXXX ( XXXX ) has all of this in there notes as well as on recorded lines and through there mobile app. 

I have been dealing with these issues for over six months. My credit is damaged because of this. This has cost me money. they are causing stress in my life. this is interfering with my constitutional right of " life liberty and the pursuit of happiness ''. 

In accordance with the Fair Credit Reporting act XXXX  ( XXXX ) has violated my rights, 15 USC 1692g validation of debt, 15 USC 1692h they made a unauthorized payment not in accordance with my direction. 

Convergent Outsourcing XXXX, 15 USC 1692g validation of debt

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 2022-08-09
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : 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 COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS 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 non-monetary relief
Consumer complaint received 2021-10-04
Company: Resurgent Capital Services L.P.
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:
XXXX PULLED MY CREDIT REPORTONXXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX XXXX , no phone number was supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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:
Ive sent numerous letters to XXXX, Experian and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

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 2022-08-09
Company: SN SERVICING CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, SN SERVICING CORP, XXXX XXXX XXXX, XXXX California XXXX, continues to charge me $ XXXX per month for forced place condo ( homeowners ) insurance. I have had my own condo insurance since XX/XX/2022. The condo insurance that I have is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, policy number XXXX. I have mailed in a copy of Evidence of Property Insurance to my lender multiple times, additionally XXXX XXXX XXXX has mailed to my lender multiple copies of the Evidence of Property Insurance statement. I have called my lender numerous times to ask them to stop charging me for the forced place insurance. They will not return my calls. I need to cancel this forced place insurance. I can not afford to pay {$210.00} per month for absolutely nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Experian Information Solutions Inc.
State: OH
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 Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-10-12
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:
I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022 I mailed Experian a letter via USPS, which they received on XXXX, XXXXXXXX XXXX as per USPS confirmation # XXXX. I requested their methods of verification for their previous investigative consumer report they furnished ; report # XXXX. I have attached the letter below. I have still not received Experian 's methods used for verification of the accounts they claimed to be verified after their previous investigation. Experian 's 15 day time limit allowed by law to provide my requested documentation has expired.

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 2019-01-06
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax if the worst credit reporting agency! need your help once again in rectifying my credit report of a MEDICAL collection. I cant get a complaint lodged online no matter what avenue i try. I tried free annual credit report and equifax system does not recognize my credit report number! Tried calling them and got through to call center agents based out of the XXXX! Asked to speak to a supervisor called XXXX and she was extremely un-knowledgeable about US consumer debt laws and did not even understand what I was trying to dispute. If you are going to hire people, hire people that understand ENGLISH! 

Please help. I have been trying to get this MEDICAL collection removed off my EQUIFAX report. All other credit reporting agencies have removed it, except EQUIFAX! 

The original reporting company reported the debt incorrectly to my insurance company and my insurance company showed a XXXX balance on my account. I can attach PDF if this website allows. I have also contacted my State Attorney General Office as well as all of the Congressmen in my area as well as others in the country as I am NOT the only one having this problem with EQUIFAX

Company response to consumer: Closed with non-monetary relief