BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Company recently purchased my home mortgage from another lender.

I am attempting to pay off my mortgage as soon as possible by paying an additional {$500.00} per month to pay down principal. This company refuses to allocate these funds to principal, and instead applies the excess funds to future payments. Multiple phone calls have resulted in conflicting information, and no results.

In my first call, I was told they would make a note on my account to ensure future payments would be allocated properly. The next month they were not.

In my second call, I was told that they could not process principal reduction payments from electronic payments, only if paying by check.

The next month I sent a check clearly showing the allocation I desired. Freedom Mortgage ignored my instructions, and allocated my funds to future payments. Their representative was clueless and said a supervisor would call me back. I received no such call.

Additionally, in my second call, I was told there were multiple fees to pay off my mortgage in full. I asked for and was told I would be sent documentation from my original mortgage contract allowing such fees. No such documentation was forthcoming.

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After contacting XXXX XXXX and monitoring services and Transunion several different occasion, and speaking with supervisors and representatives, they send have not corrected the error. The XXXX  XXXX XXXX XXXX minoring company say XXXX and Transunion is not reporting in a timely manner to these monitoring companies in order for them to correct the error 's that's effecting my scores. I notice after paying my credit card billed over two months ago, it's still showing a balance and the reason being is the 2 credit reporting agency is not reporting timely and this should not be happening.

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 2020-12-10
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2200.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$150.00}, {$150.00}, {$1600.00}, {$800.00}, {$3400.00}. 
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 XXXX  XXXX. See Also 12 XXXX XXXXXXXX ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXXXXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

10. I.C. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

14. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} .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 2020-12-10
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pheonix financial service is a third party debt collector attempting to collecting an alleged debt and have access to sensitive information that was not authorized to be shared with them. I have communicated with the company through certified mail and this issue has yet to be corrected or resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following inquiries. It does not belong to me. I never lived in these addresses associated with these. I was contacted by a collection agency regarding the accounts that are associated with these fraudulent inquiries. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 2018-10-08
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lender : American Honda Financial Compliant : not applying additional principle payments properly Account # : XXXX. 
Product:XX/XX/XXXX ACCORD. 
XXXX : XXXX My normal payment are scheduled around the XXXX of the month for approx. {$540.00}, I pay {$650.00}. For this payment they apply the extra principle correctly. 
But, around the first of the month I pay {$750.00} or more, payment from my XXXX XXXX bill pay. I notice for this payment they are applying interest to future payment that I will never have. 
I asked them to correct the payment to principle only. On my request they would only correct the last six extra principle payments. They are stating because I didn't send principle payment to a different address they will not correct the extra principle payment for the whole term. The loan started in XX/XX/2017. I have requested with top managers at Honda Finance and they will not correct. 
I understand math and incurred interest. I know the way they are taking interest out of my principle payment before applying to interest will generate additional interest they are not entitled too ... .I believe this is illegal. Whether I mail to one address or the other ... .additional payment needs to be applied correctly, even more so when the customer catches their error and demands it be corrected. 

Please help - Thank you - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CHECK INTO CASH INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I received a notice that I had a hard pull on my credit report from a company, Loan by Phone based in XXXX, TN. It was fraudulently pulled using my SSN, address, and my maiden name. We filed a police report in XXXX, TN. However, no loan activity showed up on my credit report. A few months later, I received letter that this debt had gone into to collections through XXXX XXXX XXXX. I told them numerous times that they had the wrong person. All through this, there was nothing on my credit report regarding this other than the hard pull which fell off in XX/XX/XXXX. Occasionally, I would receive notices that I could settle the debt, but because it was NOT on my credit report, I could not dispute it. I continued to tell them that it wasn't me. 

Then in XX/XX/XXXX, I received a notice that my credit score had dropped 25 points because this company had put me into collections for {$500.00}. Suddenly, this showed up on my credit report, but it was never even listed as a loan before. I have tried disputing this with the credit bureaus and they say it is resolved because this fraudulent company tells them that the debt is mine. I have reported this to the XXXX  in New York ( where XXXX  is located ). We have requested via certified mail that we receive information from XXXX that the debt is valid and we have yet to hear anything. I need this taken off my credit report and my credit score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: CO
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:
non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support

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 2020-12-10
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I opened a Wells Fargo Secured Platinum Credit Card in XXXX of XXXX, where I was told that my collateral deposit of {$300.00} was in placed in an interest bearing account. Due to the death of my mother at the time I became overwhelmed with my finances and completely forgot about it. The card fell delinquent and was subsequently closed either in late XXXX or XXXX. Around that same time, I was offered a job in another country and I accepted. 

Upon my return this year ( XXXX ), I ran my credit report to see why I was denied for an application I submitted, and it was then that I realized this debt had never been taken care of and I've had a charge off of {$360.00}. I immediately called Wells Fargo to discuss it. I was told that it's an accumulation of the maxed out amount of the card plus interest before it was closed. This item has remained on my report from XXXX until this day. 

When I was directed to Wells Fargo Card Services to inquire as to why the {$300.00} collateral was never applied, I could not get an answer. It appears as though my deposit has vanished. On three separate occasions I have spoken to three separate representatives, all very nice, but all they can do is " escalate the issue and look into it with management. '' I have not received an answer as to why the collateral was never applied. I opened a case with the bank 's Executive Branch today and was told it would be looked into by a Case Manager. XXXX XXXX # : XXXX ) I have also disputed this particular item with XXXX  and XXXX  but there has been no resolution - they simply " update '' the account which continues to report that I owe {$360.00} on a charge off. 

I would like for Wells Fargo to apply my {$300.00} collateral and update all 3 bureaus accordingly. Any amount beyond that I will gladly pay to return to good-standing and have it reflected as such on my credit report with all 3 agencies. 

I do not dispute that the debt is mine and I want nothing more than to settle this matter because I do not want to be in debt to any bank. I understand that credit scores can be taken into account by potential landlords, other banks, and employers, and this discrepancy is hindering my ability to get ahead. I do not find it acceptable that any bank is unable to account for a customer 's deposit while continuing to report that same amount as delinquent, subsequently affecting that customer 's standing with the CRA 's, which can be extremely unforgiving. 

Am I missing something? Is this type of practice permitted?

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 2022-12-27
Company: Experian Information Solutions 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a 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 non-monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: NJ
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:
I submitted a dispute to Experian and they responded saying that I was not the one that submitted the dispute. I have provided my proof of identity to confirm that I am the one submitting the dispute. The FTC says that I can dispute any information that I find to be inaccurate and that is what I have been trying to do. I would like this inaccurate information deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX female who was discouraged and denied credit because I was told I could not use XXXX income to qualify me for my home. My builder was charging XXXX to build my home on land I owned valued at XXXX. I was told XX/XX/2022 XXXX. Yes I got a denial letter after the fact but I have a written text from XXXX XXXX who stated otherwise. 

XXXX XXXX at XXXX XXXX told me : I confirmed with underwriting we can not use your living and food stipend that is non taxable for qualifying. Non taxable wages can not be used towards qualifying income per underwriting guidelines. One way to look at it is to earn the taxable wages it requires you to have expenses for living and food, so the money you receive for those items are being used to cover an expense needed to make wages and are not additional income in the end. 

2 options I can think of. We can look to add your husband to the loan and utilize his income so long as he qualifies with his credit score, we also have to factor in debt in just his name. Second option might be contacting a credit union or small bank. They might have different rules in which they could use your additional income towards qualifying. 

If I could use the full {$9200.00} in income listed on the application you did qualify for the {$250000.00} requested. 

A different loan processor told me my income could be used her name is XXXX XXXX ( XXXX ) XXXX. She also told me she was working on a ( white ) client in my sans situation with non taxable income and she had gotten approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-06-29
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These inquiries may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following inquiries are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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