BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
FREEDOM MORTGAGE HAS IGNORED REQUEST TO PAY THE HAZARD INSURANCE FROM MY HAZARD INSURANCE AGENCY, EVEN AFTER SENDING XXXX PAGE AND BILL VIA MAIL, EMAIL, FAX AND CALLING TO SPEAK TO A SUPERVISOR " XXXX '' ON XX/XX/XXXX WHO PROMISED TO OVERNIGHT PAYMENT. AS OF TODAY, MY INSURANCE POLICY HAS BEEN CANCELLED. BY LAW FREEDOM MORTGAGE MUST PAY ESCROWED HAZARD INSURANCE AND TAXES. I HAVE {$2700.00} IN MY ESCROW ACCT. THEY HAVE PUT ME AT RISK. IN ADDITION, THEY HAVE RECEIVED MONIES FROM A THIRD PARTY TO CURE MY PAST DUE BALANCE, NOW REFLECTED AS DEFERRED {$21000.00} BALANCE AND I SHOW AN UNAPPLIED CREDIT IN THE SAME AMOUNT. I HAVE ASKED QUESTIONS REGARDING BOTH MY ESCROW AND WHY UNAPPLIED FUNDS HAVE NOT BEEN APPLIED TO THE SUBORDINATE BALANCE AND HAVE NOT RECEIVED ANY ANSWER. THEY HAVE REFUSED TO PROVIDE ANY ANSWERS IN WRITING, NOR DO ANY OTHER DUTIES AS A LOAN SERVICER.

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 2017-05-24
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I used to live in a town home complex and moved out in  XXXX   XXXX  and have n't heard from them about any money I owe. I am now living in my own house that I purchased. According to  Professional Debt Mediation ( de bt collecting company ) I owe my old town home complex almost {$300.00} and there 's no reasoning as to why I owe them money. But I would think that on my credit report for buying my house, that was run back in the end of  XXXX   XXXX  that payment, would have shown up or I would have received a letter. I have blocked the phone number that has called me multiple times and I told them to stop contacting me. Now this company has sent me a letter saying I need to send a payment to them in  XXXX    XXXX   and I 'm living in  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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 am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I took out a Mortgage with XXXX XXXX  in XXXX of XXXX. The loan was purchased by Flagstar Bank and the transfer took effect on or about XX/XX/XXXX. Our loan payment is XXXX per month. We have made regular on time payments since we took out the mortgage. We have made payments that were over the required monthly amount so as to pay down the principal sooner. The XX/XX/XXXX payment in the amount of {$700.00} was already sent to XXXX XXXX  so as to be on time. XXXX XXXX sent that payment to Flagstar bank and Flagstar held it in " Suspense Balance '' according to our statements and did not apply it to the XXXX payment. Since about XXXX XXXX we have contacted Flagstar customer service at least 6 times by phone because they keep sending us statements that we are behind on our payments, each time I have called their customer service they have said they understand what the issue is and will rectify it. We have made our XXXX payment of {$630.00} on time and now our latest statement from them that is dated XX/XX/XXXX reads that we are still considered late and that we owe {$1200.00} by the date of XX/XX/XXXX. In addition to that, the statement reads that now they are holding our latest payment of {$630.00} in " Suspense Balance ''. It looks like they finally applied the original {$700.00} XXXX payment to our Mortgage balance and are now holding the XXXX payment hostage. During this time we have also received a letter from Flagstar dated XX/XX/XXXX that states we are past due in the amount of {$66.00}. This is the amount that we were paying extra each month towards our principal. How can we be delinquent on this since we are not REQUIRED to pay this extra amount? We have now also received a notice from the credit monitoring service XXXX that our FICO  score has decreased. Our score has always been excellent and prior to this transfer to Flagstar Bank was in the 800 's. We will make our XXXX payment of {$630.00} on time which should be all that we currently owe. Please help resolve this issue. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX 2020, someone used my personal information to open a credit card with XXXX through Comenity Bank. I have attempted to call Comenity Bank to resolve this situation multiple times, but they recently sent me a letter determining that I am not a victim of fraud because the information on the fraudulent account matches mine. The phone number the identity thief provided has been disconnected for many years, and the thief also ordered {$2500.00} of furniture to be delivered to their address in XXXX FL. I reside in PA and have never lived in XXXX. I advised Comenity Bank of this and asked them to consider it as evidence of fraud, and they told me I would have to call XXXX and have them mail a letter to Comenity confirming the online order was shipped to XXXX because they do not have that information. I called XXXX to request this letter be sent, and I was told that they have no such process and I would need to deal directly with Comenity. I am getting the runaround from these companies about a debt I did not incur with a store I do not patronize. I have ample evidence that I did not open this account but Comenity does not seem willing to investigate my case past what was put on the application by the identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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 am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.

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 2022-09-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX and 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 604 A. Section 2 : its 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 2015-05-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went online to Experian.com to get my annual free credit report. After my report was generated, the website had an option for me to get my credit score for {$1.00}. I ordered the credit score for {$1.00}. I just looked at my credit card bill and not only did Experian charge me the {$1.00} on XXXX XXXX, 2015, they also charged my credit card an additional {$21.00} on XXXX XXXX, 2015. I called Experian today, XXXX XXXX, 2015, to find out why they charged my credit card {$21.00} and was told by XXXX ID # XXXX that the charge was for their credit monitoring service. I told her I never signed up for that service and wanted my money refunded. She said she could cancel the service, but the charge was a legitimate charge and could not be refunded. I told her I never gave Experian permission to charge my card for that service or sign me up for that service. I asked her to transfer me to her supervisor. She supposedly got a supervisor, XXXX ID # XXXX, who sounded exactly like XXXX. I told her I never signed up for the service or gave permission for Experian to charge my credit card for a credit monitoring service, only the {$1.00} for my credit score. I told her I wanted my money refunded and she told me it was a legitimate charge and they would n't refund my money. I asked to speak to a manger and she said she was the highest one there for me to speak with. I told her she sounded exactly like the other lady and I was going to report Experian. I also told her how Experian was a scam because they had my credit score so much lower than all the other credit reporting agencies and had wrong information on my credit report, which I 've already disputed, now they are charging me for a service I did n't sign up for. A thorough investigation needs to be done on Experian. I believe they are lowering consumers credit scores really low to try to get people to pay for their credit monitoring and if they ca n't get the consumer to sign up that way, they illegally enroll the consumer without them knowing by offering them their credit score for {$1.00} and then continue to charge their credit card for a credit monitoring service. I want a full refund and a complete investigation into Experian 's unscrupulous and illegal practices. By law, consumers are entitled to get a free annual credit report, but when we go to Experian to get the report, we are scammed into paying for a service for which we did n't want or authorize to be enrolled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX sent me an email that someone had accessed my credit report & i had not applied for anything credit wise - i found a company called XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX had accessed my credit report without my consent- i called them and they said someone in California had applied ONLINE for a credit card in my name and they did not issue because of too many inconsistancies ... i ask them to remove the HARD hit from my credit as i had not signed anything or given them consent - i put fraud alert with the XXXX major reporting services- and sent them proof of my residency in Fl -- -- i sent a letter to XXXX XXXX Bank as well and called them which they kept telling me to send the info along with a FTC report to the credit bureaus and to date they still have NOT removed their HARD hit -- -- -why am i being punished and made to do all this work when they were the ones that illegilly accessed my credit report - and it was obvious from the beginning it was FRAUD so why will they NOT remove their inquiry?

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 2020-03-27
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:
Their are fraud items : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX on my credit report. XXXX and XXXX investigated these items and identified they was fraud and removed them. Equifax refuse to do a proper investigation on these items and still have these fraud accounts on my report. I disputed these items 3 times with equifax and asked them for documentation of their investigation but have not received anything. I submitted a fraud report about these items but equifax still refuse to investigate and remove these items that are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, 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 received notification on XX/XX/XXXX from XXXX Identity Monitoring services that an account had been opened w/ XXXX XXXX under my SSN and maiden name. I received notification from XXXX shortly after confirming the credit application had been processed. I promptly contacted XXXX XXXX and alerted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on XX/XX/XXXX. I also contacted the ( XXXX ) credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from XXXX during the period of XX/XX/XXXX-XX/XX/XXXX. I contacted XXXX 's compliance department multiple times and provided them with a second copy of the affidavit and police report on XX/XX/XXXX and requested again that they close the account and notify the credit bureaus. I received an email from XXXX on XX/XX/XXXX confirming receipt of all documents and stating they would contact XXXX. I responded on XX/XX/XXXX alerting them to the fact that the delinquent account was shown on my Equifax and XXXX reports as well and that I expected them to remedy the situation w/ all XXXX credit bureaus. I ran my Equifax credit report today ( XX/XX/XXXX ) and the account is still showing as open and delinquent so I contacted XXXX yet again to ask them to close the account on their end and notify Equifax as I requested on XX/XX/XXXX. Customer service representatives at XXXX continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. XXXX 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclays Bank refuses to reverse a charge for a transaction in which the merchant admittedly never provided the services for which I contracted. On XX/XX/2020, I paid merchant XXXX XXXX {$390.00} via my Barclays credit card in order to transport luggage. Through no fault of my own, the luggage was never loaded on the plane, and I subsequently sent the luggage via airfreight with another company at about double the price ( see attached invoice ). US Department of Transportation Regulations require that all charges be refunded to the customer under these circumstances. ( See : https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds ). In violation of these Federal regulations, the merchant desires to give me a " travel voucher '', which I neither requested nor want, and would mosts likely never use. Bizarrely, rather than refund an admittedly illegitimate charge, as it is required to do by law, Barclays Bank has decided to assist the merchant in its own violation of Federal law and regulations by insisting that I must accept the travel voucher, rather than a refund of my money. By so doing, Barclays is violating the law while also acting as an accomplice of the merchant in its own violation of Federal law. Barclays need look no further than the fact that I admittedly never received the services for which I paid. Failure to refund my money makes Barclays a party to the merchant 's fraud and deceptive practices. Barclays is not a Tribunal, and has no right to choose sides. It is a bank which must follow banking law, which stipulates that I am not required to pay for services which I never received. Barclays should follow the law and refund my money.

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 2022-04-12
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 fraud alerts or security freezes

Complaint:
I am an Identity theft victim with a credit freeze and fraud alert at all 3 credit bureaus- I established this freeze and fraud alert after experiencing a police reported identity theft incident in XX/XX/2021 -- I temporarily lifted the freeze online on XXXX to apply for a credit union account -- set the restore date for XXXX despite the fraud alert someone applied for a credit card in my name on XXXX -- I was alerted -- not by any of the credit bureaus but by XXXX XXXX XXXX- a FREE service. I was able to restore the freeze at XXXX XXXX online and at XXXX via phone -- Experian does not allow access to a live person or access to restore online. Despite calling 4 different numbers over 2 days there is no live access. I tried to restore the Experian freeze online by adding a new freeze and was denied. I am now unable to access my previously established Experian account at all -- their system refused my ss # -dob- the only way Experian allowed me to refreeze my account was to establish a PAID {$25.00} per month XXXX membership account and schedule a freeze for 24 hours-leaving me vulnerable until the XXXX. I am forced to pay for something that was and should be available to me at no charge -- the Paid Experian membership only freezes your account while you are a paid member-dropping the freeze if you cancel -- I need access to my free Experian account and I need Experian to freeze my credit without the extortion

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 2016-11-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1. in XXXX XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged in XXXX XXXX all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XXXX XXXX, was not removed until XXXX XXXX. 
2. I submitted a letter to all three agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.

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