BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow analysis from Freedom Mortgage for my second home in VT. I noticed they input the wrong tax amount for the XX/XX/XXXX tax disbursement on Part 3 of the expected escrow payments for the next 12 months. The analysis indicated I had an escrow shortage of {$750.00}. I called the company on XX/XX/XXXX, and they were going to investigate it after I spoke to 4 different people. To ensure it was handled properly I also submitted a written notice of error on their website, and attached the analysis copy for their review. Additionally, I sent a written notice of error to Freedom Mortgage along with a copy of the analysis via regular mail on XX/XX/XXXX. Since that time I have received a refund check of {$72.00}, which I believe is an error. I also received a message in their website that I would receive the refund check, and my new monthly payment would be {$1000.00} effective XX/XX/XXXX. Today, XX/XX/XXXX I received a new analysis that now reflects another shortage of {$110.00} and my new mortgage payment would be {$1000.00} effective XX/XX/XXXX because they spread the shortage out over the 12 months. Yet, this morning before I received this in the mail, I made my mortgage payment online. The website stated my payment was only {$970.00}! So I paid it though it seemed impossible that my payment is less than before any analysis was computed. I have attached all pertinent documentation here for your review. This should have been an easy fix for Freedom by just plugging in the accurate taxes. It has turned into a bit of a nightmare since there are so many discrepancies.

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 2019-12-29
Company: EQUIFAX, INC.
State: MD
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 IS REFUSING TO CHANGE MY SCORE. THEY ARE DELIBERATELY MANIPULATING MY SCORES. THIS IS OBVIOUSLY RETALIATION FROM PREVIOUS FILING WITH CFPB. THEY HAVE NOT CHANGED MY SCORES AGAIN. 
EQUIFAX HAS BEEN MAKING ILLEGAL CHANGES TO MY SCORES. THEY CHANGED MY BIRTHDATE. THEY PUT ME ON A SECURITY FREEZE. THEY ARE CONSISTENTLY THE LOWEST SCORES OUT OF ALL THE BUREAUS. THEY DECREASE MY SCORES ILLEGALLY ALL THE TIME AND IGNORE CHANGES IN MY CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX 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 Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been trying to get the PMI on my loan removed by XXXX XXXX XXXX to no avail. The company ordered an appraisal for a refinancing but refuses to use that value of the property from that appraisal as a basis for removing the PMI. They are asking me to pay for another appraisal before they can remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: ProCollect, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I lived in XXXX XXXX in XXXX, XXXX. My lease was scheduled to end at the end of XXXX. I went into the main office and informed them I planned to move out when my lease contract expired ( XX/XX/XXXX ). They informed me that I needed to provide them with a written letter stating I planned to move out at the end of my lease. I went to my apartment typed up a letter and turned it in to the main office to be filed with my intent to move out at the end of the lease terms. I paid my last month of rent between XXXX XXXX as required by the lease terms. I moved out before the end of the month and had a member of the front office walk through and inspect the apartment with me to ensure no damage was done. I moved back to XXXX before the month ended. In XXXX of XXXX XXXX XXXX turned 1 month of rent due over to Procollect collection agency. I noticed this on my credit report late XXXX and called the company inquiring about the collection efforts. They informed me that XXXX turned it over to them for either not paying the last month of rent or not giving written notice to leave the apartment unit. I informed them I did both, paid the XXXX rent and provided written notice. Procollect then began to tell me I need to pay the debt immediately to have it removed from my credit report. I believe I do not owe this debt because the last month, XX/XX/XXXX, rent was paid and followed the guidelines provided in the lease term and by the front office with a written letter saying I planned to move out. According to Procollect no letter was ever one file. I have since graduated college and my current employer requires this matter to be resolved as part of my employment.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 has violated my rights. Or list of inquiries 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 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 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$6700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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:
I was trying to buy a house and I realized I had damages on my credit report. According to the 15 USC 1681c SEC 604 there should not be any damages to my report .This a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN did not respond to my last dispute adequately. The account on my consumer report for XXXX XXXX XXXX XXXX is incomplete. Incomplete account information must be updated or deleted. The account number is displaying partially. Update this to the full account number or delete this account containing incomplete information. This could lead to identity theft.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion and XXXX allowes 3rd party collection agencies report to be on my credit reflection as if I consented to these malicious collections who I dont personally owe. These companies state they bought this collection information and accounts. This transaction should not be the reflection of my score depicted as accurate information. Some of those accounts were from XXXX furlough and gov. Shutdowns- I want direct relationship reporting or join the lawsuit against them as proof.

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 2022-05-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Personal information is incorrect and closed accounts showing as opened and theres a lot of fraudulent accounts opened by identy theft but all the companies keep saying everything is accurate when its not this isnt fair to me and my credit my information was jeopardized and now my credit is ruined and I have to pay for everything thats not right

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 2021-09-15
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: Information is missing that should be on the report

Complaint:
DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.

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 2018-09-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
12 years ago we had acredit card debt with chase and when the rate increased we couldnt afford monthly payment.XXXX sold the debt to mcm and XX/XX/XXXX file judgement against us. On XX/XX/XXXX on bank accounts were frozen with no warning the debt was for XXXX XXXX XXXX XXXX put holds of {$22000.00} and XXXX we had a balance of XXXX. In the account. Have been to XXXX XXXX XXXX to have them Pay the debt mcm said that they will not take more than what we owe. Another trip to XXXX now says sent {$8200.00} to release our account. We had no way to get money. XXXX will not explain why they sent XXXX more than what we owe. We have received no breakdown of funds they just took our extra money. Very sad that a bank will take extra money with no explanation. No way to get medecine and mcm said the bank could keep this frozen for 4 months.This money was for a funeral for my brother in law XX/XX/XXXX. Now mcm is threatening more accounts that we have not received any documentation for. Is this how XXXX and mcm treats s sr citizen. We would appreciate the help. These are unsecured debt from over 10 years ago. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IN XX/XX/2018 I WAS NOTIFIED BY THE CREDIT BUREAUS ( XXXX, XXXX, XXXX ) THAT MIDLAND FUNDING IS REPORTING THREE DIFFERENT DEBTS. I HAVE BEEN IN CONSTANT CONTACT WITH MIDLAND AND XXXX  RE THE TRADE LINES BEING REPORTED ON MY CREDIT FILES. I HAVE EVEN DISPUTED THE CLAIM WITH XXXX  BUT THE TRADE LINES REMAIN. XXXX   AND XXXX  HAVE DELETED THE TRADE LINES DUE TO LACK OF EVIDENCE THAT THIS DEBT BELONGS TO ME. I HAVE EVEN TALKED WITH MIDLAND RE PAYMENT ARRANGEMENTS AND THEY STILL ADDED THE DEBT TO MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions 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: 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 correct : 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

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 2019-12-29
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$560.00} from Creditor : NATIONAL CREDIT SYSTEMS, 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 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

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 2022-10-19
Company: EQUIFAX, INC.
State: MD
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. 

Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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. 


XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX  XXXX XXXX  Account Number XXXX Account Info Account Name XXXX  XXXX XXXX  Account Number XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Auto Loan Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Unsecured Account Name XXXX  XXXX XXXX  Account Number XXXX Account Type XXXX  Responsibility Individual Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Account Name XXXX XXXX Account Number XXXX Account Type Line of Credit XXXX XXXX  XXXX Account Number XXXX Account Type Auto Loan

Company response to consumer: Closed with explanation