BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage made an error back in XX/XX/XXXX when it paid taxes to XXXX XXXX using applicant 's Escrow Funds. Taxes should have been paid to XXXX XXXX XXXX where property address is located XXXX XXXX TX XXXX ). 
Taxes were incorrectly paid to property address : XXXX TX XXXX by XXXX Mortgage using applicant 's escrow funds. This property address belonged to applicant but that was sold back in XX/XX/XXXX. This property was purchased/owned under the maiden name. 
XXXX XXXX XXXX XXXX confirmed that a payment was made by XXXX Mortgage. XXXX XXXX XXXX XXXX XXXX confirmed that overage payment was made by XXXX Mortgage. The new property owners also paid tax payments on that property XXXX XXXX TX XXXX ). There is now overage in payment to property XXXX TX XXXX. 

Please see Deposit No : XXXX ( Freedom Mortgage ) for the XXXX XXXX Tax Receipt. Attached are both receipts that confirm there was payment made to wrong property address that is not owned by applicant. This property address belonged to applicant and was sold on XX/XX/XXXX. Both parties XXXX Tax offices XXXX informed applicant that XXXX Mortgage would have to apply for refund of this incorrect payment, as they are not able to refund to the applicant since she did not make disbursement. 
Please see account XXXX : XXXX that was associated with applicant 's for the property of XXXX TX XXXX. This is currently affecting her Escrow analysis and has placed applicant 's in an overwhelming debilitating financial situation that may foreclouse her home when she can not meet new mortgage payment. 
Please see attached receipts ( Spring Branch XXXX XXXX XXXX - {$4700.00} and XXXX XXXX XXXX XXXX XXXX XXXX Assessor {$4400.00} ). For a total of {$9200.00} multiple phone calls and converstations with Tellers from XXXX Mortgage have been made : Faxes producing Deliquent Bills from XXXX XXXX were sent to XXXX Mortgage on XX/XX/XXXX and XX/XX/XXXX. 
Letters with Tax receipts from address XXXX TX XXXX were faxed to XXXX Mortgage on XX/XX/XXXX. 
XXXX XXXX ID XXXX Geovana Teller ID XXXX XXXX XXXX supervisor ) Teller ID XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: SYNCHRONY FINANCIAL
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX  that some one attempted to run my credit through synchrony bank and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX  that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX wi XXXX note this was a group home called XXXX XXXX which I know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX XXXX XXXX home owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX after calling XXXX i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and synchrony bank. please help me investigate 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 non-monetary relief
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX {$5400.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$840.00} XXXX XX/XX/XXXX {$4300.00} XXXX XX/XX/XXXX {$1400.00}

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 2017-11-22
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: Investigation took more than 30 days

Complaint:
My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2018-08-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I reached out to Equifax by phone and mail. I explained that these same inquires were deleted and now they have repaired. I need those items gone and never appear again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and saw XXXX XXXX reporting an account with a XXXX balances. I was upset because I actually paid the provider 's office directly and it never should have gone to collections. There was confusion with my insurance company and once I was made aware that there was a portion I was responsible for I paid it right away.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on two collections accounts from the same company listed on my Exp. credit report : XXXX XXXX Acct # XXXX & # XXXX with Experian. The first dispute process came back as a verified medical collections. 

I sent out direct dispute letter and followed the process that Experian required for the next step. The sent out a letter XXXX  to the address listed on the Experian Credit Report. The items came back undelivered to the address listed. I was unable to validate the debt with a direct dispute with XXXX XXXX. I then submitted follow up dispute to Experian and showed proof of all documents XXXX  and letters and request Experian to DELETE the tradeline. Experian closed the new dispute and said it was verified/updated. These items do not belong to me and I have no information. Experian is reporting inaccurate information and continues to report it in violation of FCRA.

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 2019-06-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several months ago, I incurred medical expenses at XXXX XXXX XXXX in XXXX, Texas. I provided an HSA account card for them to bill me monthly. I received no indication there was any problem. They made some kind of mistake and started calling me a couple of months ago about a " past due '' bill. My wife and I had to go down and hold their hands and point out their mistake which they admitted. Yesterday, my credit report reflected my only negative comment from Commonwealth Financial who apparently bought the debt. My credit score plummeted over 100 points and one of my credit card issuers cancelled my account. THIS DEBT WAS PAID MANY MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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: Information belongs to someone else

Complaint:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX-XXXX-XX/XX/16

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 2018-03-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I forwarded a letter to Experian dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( s ) being reported for a DISCHARGED CHXXXX and DIMISSED/CLOSED CHXXXX ( listed twice on my report ). Experian hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Experian is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Experian may result in smalls claims action.

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 2019-06-18
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Today at XXXX California Time I received a call from M & T Bank stating that I need to pay {$960.00} for the month of XXXX mortgage or else I would be charged fees. I explained to this caller that my mortgage was transferred from XXXX XXXX Bank and when the transition happened I was assured by letter that my payment status quo with XXXX XXXX remains the same. I pay my mortgage every two weeks in the amount of {$960.00}. Henceforth, the payment that I made through my XXXX XXXX   Account on XX/XX/2019 is the first half payment for the month of XX/XX/2019 and that I am not late. I was told that I should have made this arrangement with them but I was assured that the transition will not affect my agreement with XXXX XXXX. I also made a telephone call before the transition and asked if there is anything I should do but was assured that if I have no changes on my mortgage it will be okey. The mortgage bank information is M & T Bank XXXX XXXX, loan XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX. I have been diligent on my mortgage payment every XXXX weeks through my XXXX XXXX Bill Pay. Although I was transferred to a customer service representative that its been fixed that I am not late and my next payment this XX/XX/XXXX will be applied for the month of XXXX I cant trust their word on this. Please investigate this. Thank you. 

Respectfully, 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 monetary relief
Consumer complaint received 2018-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
i opened an auto loan with Bank of America and chose to consent to their electronic delivery process. Every thing was processed correctly but I never received the " Closing Documents '' as described in their electronic disclosure statement. 
https : //secure.bankofamerica.com/applynow/vl-electronic-disclosure.go After several calls to their customer service group ( over a 10 day period ), they finally agreed to fax the documents to me. They would not email them to me or send via email. I believe this is in direct conflict with their electronic disclosure agreement. Nowhere in their agreement does it require access to a fax machine which most people do not have access to. My only option was to have it faxed or rescind my consent to the electronic delivery process and have them mail the documents to me. My car registration was already 2 days overdue. I opted for them to fax the documents but that required me to have the documents sent to either a public place such as a XXXX/XXXX center. I think this process puts consumers information in danger.

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 2018-10-31
Company: The CMI Group, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is reporting that I owe a balance of {$710.00} and I do not. They continue to report on my credit and this information isnt mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: Ocwen Financial Corporation
State: HI
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:
I have made two separate complaints to XXXX  and XXXX  about information being reported twice from the PHH mortgage since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with PHH, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted PHH Mortgage and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I already consolidated my student loans and have 1 payment. The other student loans reporting are now closed and are reporting on my credit report and I don't want them on there. Experian has told me they can be there for 7 years.

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 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear Sir or Madame, I am writing to file a formal complaint against TransUnion. I have attempted to contact them on several occasions regarding their inaccurate reporting of my information with XXXX XXXX XXXX. I have requested that they investigate each claim for accuracy and have not been resolved. The inaccuracies and derogatory mark placed on my file has caused my inability to obtain credit with much stress and anxiety as well as damaging to my credit. 
I am asking for you to intervene for a fair judgment based on the Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report. 

Please find below in bullet of items found on my report that is missing or inaccurate. 

Incomplete or missing account number ( XXXX ) A charge off account in the amount of {$1100.00} Incorrect high balance of {$1700.00} Late Payments

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 2019-06-18
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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