BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding removal of PMI via a broker price opinion / Appraisal On XX/XX/2022 I was informed by my lender, Freedom Mortgage XXXX ( license number ) that I " don't qualify for a broker price opinion and PMI removal '', even though the home protection act guarantees that I can request PMI removal at any time during the loan ( which is 15 months old ). Current homes ( comps ) in my area are marketed at much higher asking prices which would put my LTV at under 78 %. I am being told that I don't meet seasoning requirements, which, suggest that I am not a " fit borrower '' however, on their own website when I login, I'm offered XXXX XXXXXXXX HELOC " based on my home 's value '' which in and of itself, would allow me to remove PMI. 

That said, I disagree with seasoning requirements which are arbitrary, and are not in step with HPA guidelines. 

REALISTICALLY, comparable homes in my area average XXXX, and my loan is at XXXX. Which would put me at an LTV of XXXX XXXX. They are refusing a broker price opinion ( that I'm willing to pay for ).

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX XXXX XXXX XXXX, XXXX, on behalf of Capital One Bank ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rent Recovery solutions is attempting to collect a debt I do n't owe them. I never established a contract with this company at all. Furthermore this company is in complete violation of the FCRA law which has tarnished my name by placing a negative tradeline onto all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the debt collection agency various times to get an itemized bill and they have not been responsive or have mailed me any type of notice as to why the bill has gone up from the original amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: National Enterprise Systems, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I received numerous phone calls from national enterprise systems on a false phone number. All phone calls are on XX/XX/2017 time stamped at XXXX am, XXXX,XXXX am and XXXX am with a number of XXXX. Then they called my place of employment on XX/XX/2017 when I am not supposed to be taking any personal phone calls. I also informed them on the last call on XX/XX/2017 that they were in violation on federal law and then hung up on the collector. This behavior is in violation of the harassment section of the fair debt collection act section 866

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed some entries on my credit report with Equifax on XXXX/XXXX/2017 and again on XXXX/XXXX/2017. So far no response from Equifax regarding my dispute and do n't know how to make them fix my issue or respond with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Eastern Collection placed XXXX on my credit report because of a doctor visit in XX/XX/2015. Agency never mailed any information about debt to my address, never knew anything about debt. Never received any communication from this agency of doctor 's office about the debt until two years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Big Picture Loans, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I've asked Big Picture Loans to stop contacting me on XX/XX/2022. Not only have they continued to contact me, they are calling me at unusual hours as defined by the Fair Debt Collection Practices Act. 

Big Picture Loans has contacted me by phone call on XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and again on XX/XX/2022 at XXXXXXXX XXXX EST, and identified the debt collector as Big Picture Loans. I believe there are more, but this is all that I have written down. I understand these calls are meant to intimidate and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: One Source Technology
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The reporting company asurint used my criminal history over seven years ago and now I was disqualified from two job opportunities. I called the company and was told that since I live in Florida they can use any criminal history no matter how long ago it was according to your website anything over seven years can not be reported so I'm not sure if they are correct. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Dyck-O'Neal, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 States i have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I answered my phone at around XXXX on XXXX XXXX to an unknown number. The man asked if he was speaking to me ; I said yes. He asked if I lived at X address ; I said no, that was an old address and asked what this was regarding. He mentioned a debt I owed to a health club membership and said that it had been turned over to his collection agency. I asked for my address to be updated and for information regarding the debt be sent to me and told him that I fully plan on paying off this debt. He updated my address and provided me with a reference number and phone number to reach him at. 

He then proceeded to ask me about my employment status and the amount of my rent. I said that I am unemployed ( I have a small child that is totally dependent on me for care ) and that my fiance covers living expenses. He asked how long I had been unemployed and then asked if I was prepared to make a payment. I said two years, I had to quit the day my daughter was born as we do not have any one else to help us with her care, and said that I would like to start making payments in XXXX. I had my debit card out, ready to give him my card number for automatic withdrawals to start in XXXX at this point. 

Instead of closing the deal, the debt collector got really nasty. He started talking about how I have n't worked in 2 years, how I 'm living off of my fiance 's income. ( I actually work very hard as a homemaker and a mother to my child with absolutely zero help or babysitters or family to help, but did not have a chance to explain this. ) At this point, I realized that my particular debt collector was a misogynist, but I tried once again to tell him that I would like to start making payments in XXXX -- again, card in hand. He told me nastily that he could n't wait until XXXX. I said I have no extra funds currently, so he was going to have to. Here is where his misogynistic tactics actually scared me : " We most certainly do not. '' If I had already made it clear that I do n't have the money to make payments this quarter, how does he think he 's going to get the money from me? Does he want a pound of flesh? That 's literally all I have to give right now. I do n't understand how it would benefit him to threaten me like that. Again, I blame his blatant prejudice against women. I was so scared at this point I hung up on him. I need to pay this debt, but at this point I am terrified to call the contact number he gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Transunion, I managed to find the results from XX/XX/2018 when I initially filed my fraud and identity theft claim and here are the results attached. 

You are reporting the following accounts that are showing deleted. I did not receive any notifications that says it was being placed back per the FCRA which should be in writing from the bureau and this error must be deleted. 

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 2019-08-05
Company: EQUIFAX, INC.
State: MN
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:
WHAT IS WRONG WITH THIS COMPANY EQUIFAX??? THEY KEEP PUTTING ADDRESSES ON MY CREDIT FILE THAT DOES NOT BELONG TO ME, NOR IS THERE A CREDITOR REPORTING THESE ADDRESSES!!! THEIR THE ONLY CREDIT REPORTING COMPANY THAT KEEPS PUTTING FALSE INFORMATION ON MY CREDIT FILE!!! 

I HAVE DISPUTED SENT ADDRESS VERIFICATION TO THIS COMPANY AND THEY CONTINUIOUSLY KEEP PUTTING WRONG INFORMATION ON MY CREDIT FILE. ITS A NO WONDER THEY ARE BEING SUED!!! THEIR SYSTEM IS HORRIBLE!!! THIS IS FREAKING RIDICULOUS!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
LOBEL FINANCIAL is reporting that my account is negative charge off. 
This negative INNACCURATE INFORMATion needs to be removed. I do not OWE this company any money. I NEVER LIVED AT THE ADDRESS XXXX which is associated to this account. This is an act of fraud please remove from my credit files..XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transunion, XXXX, XXXX, FRAUD Departments I receive documents that XXXX sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature And why is my wife 's alleged signature is on documents this is seems to be made up

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 2017-08-30
Company: EQUIFAX, INC.
State: MO
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:
In XX/XX/XXXX I disputed a collection that was being reported on my credit report by XXXX XXXX in the file that Equifax maintain under my social security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to sub paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not own this account. It is indicating a JOINT ACCOUNT. I have never had this account. Please remove from my XXXX CREDIT FILE. I feel this account was an act of fraud against my identity as it was previously also listed on my XXXX AND XXXX CREDIT FILE. I have disputed this matter with XXXX AND XXXX credit bureau they completed the investigation on time and removed the collection..for your tracking and verification purposes of my statement. 
Please remove this account from my credit file and reanalysis my FICO SCORE through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX XXXX on XXXX XXXX, 2017 that requires payments to be made for {$1700.00} for 36 months. 

The dealer who sold me the car lied to us about tire and wheel coverage and when presented with the facts agreed to refund the cost of the policy in the amount {$1900.00}. 

They would not issue me a check directly but sent the money to BMW Financial who promptly posted it as a credit to my account. They produced a statement reflecting that i would owe nothing for the month of XX/XX/XXXX and had a rollover credit of {$260.00} for the next month. 

Regardless they still took a payment of {$1700.00} on XX/XX/XXXX Their explanation to me was the billing system and the auto-pay system do not talk to each other. I control neither system, they are XXXX 's systems. 

These two systems ought to speak to one another to avoid this and the potential O/D charges and credit report impact that their outdated systems create.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance

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 2017-04-20
Company: Nations Recovery Center
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Nations Recovery Center keeps calling my elderly parents and scaring them with debt that I might owe. they are not providing information but calling and hanging up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: WI
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:
XXXX, Equifax XXXX XXXX reported a hard inquiry from Equifax XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX Bank authorization to run my credit a 2nd time for a home loan. XXXX Bank stated that the inquiry would be a soft inquiry because of a mistake made by XXXX Bank. 

A hard inquiry by XXXX Bank by Equifax XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX Bank stated the error was theirs. Still, XXXX Bank allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: TX
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, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy. 

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: NC
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 noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX XXXX XXXX ( XX/XX/2022 )

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