BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is a complete and total crapshoot. I feel as though they are refusing to even assess the documents FROM THE GOVERNMENT that I have provided that show PROOF of the appraised value of my home. They are trying to tell me that my loan to value ratio is only 96 % ( which doesn't even make any sense, since I put 5 % down, so technically with that math it is 91 % ). I received a letter from the tax assessor stating my appraised home value is {$240000.00}, which I submitted to Freedom Mortgage and asked them to kindly remove the PMI since I clearly had more than than enough equity in my home ( 78 % XXXX to be exact ). 

I have spoken to multiple people at multiple timepoints, including supervisors at Freedom to try to resolve this issue, and every time I get conflicting results. Last year when I called them, they told me the only way I could remove the PMI was to refinance. So, I went through the whole process of refinancing and once we finalized everything and I went to sign the loan document, they completely changed the terms of the loan and made it an FHA loan ( WITH PMI!! ) and the person in charge of packaging the loan stopped responding to all of my calls/texts/emails. Every time I called them, they could not get him on the phone and told me that since I was working with him on the loan, no other loan officer could touch it or answer any of my questions. I then was referred to his supervisor, who also completely blew me off, and eventually instead of discussing with me what the XXXX happened with all of it, they just withdrew my loan! Which not only XXXX me off because I never requested it, but also they had already ran my credit and it affected my credit score so I couldn't refi with another lender. 

They other option they told me I could do was to prove I had made substantial upgrades to the property. I told them what changes I had made ( upgrades to all electrical outlets, complete upgrade of downstairs bathroom and upstairs bathrooms, etc. ) and the woman on the phone said that " would not be enough to justify a reappraisal. '' Then, today when I called, the man on the phone said that WOULD be enough and that he would send me a letter in the mail to fill out every change/upgrade I have made to the home since purchasing it. 

Not to mention, every time I call Freedom, I am on hold for at least 10-30 minutes before I can even get to a live person because their menu is so absurd. I have wasted too much of my life on this so far and I am over it.

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 2022-03-29
Company: Experian Information Solutions 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 have been battling with false and misleading information on my consumer report for well over a year which has violated my rights as a consumer and caused me distress. I have attached a notice from XXXX to remove all information associated with this company and I have the dispute number to back it up. ( 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 2022-06-07
Company: CITIBANK, N.A.
State: CO
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:
CITIBANK shows supposedly late however no phone calls, emails, or mail with a " late '' status to try and remiediate. i called yesterday XX/XX/2022 and they told me no late fee had been assessed and to call the credit company because they couldnt do anything.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Why did my Transunion credit score drop by XXXX points and my XXXX XXXX XXXX drop by XXXX points when there were no negative items reported ; I paid off the one credit card with a balance and other accounts are reporting balance decreases. This isn't the first this has happened, I've had my scores drop by as much as XXXX points in XXXX month even though nothing negative was reported. This also happened in XXXX as well few months prior to XXXX as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: CT
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} 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 2022-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Problem having with XXXX, Equifax and XXXX they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX XXXXXXXX XXXX Account : XXXX and XXXX XXXX XXXX  XXXX Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Starting XXXX weeks ago my account has been locked up with cash app. I've sent pics I'd. This issue been going on for going on XXXX weeks. Cash app has all my information and still won't unlock my account. I've provided you everything I provided cash app.i want my account unlocked to release my funds. I have a sick daughter and I can't get the money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had checking accounts with Ally Bank. Ally Bank unfairly closed my accounts down without saying the reason why. I did complain in the past that the online banking of Ally Bank was frequently down for maintenance past midnight and it caused a lot of problems for me because I usually pay my bills after midnight, but that should not be the reason why they closed my accounts down unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the XXXX for the XXXX of XXXX XXXX. I have attempted to contact Freedom Mortgage and no one has been willing to speak with me. The account is still under review. I will refer to Freedom Mortgage as " FM ''. The first court ordered document that I submitted to FM was on XX/XX/XXXX. The second set of court ordered documents and my ID were submitted to FM on XX/XX/XXXX. As requested by FM 's service team, I had to wait for someone to review the documents. I was told to call back several times. Then I was told the documents sent on XX/XX/XXXX were never received and that I had to wait for the review to take place. I emailed the documents on XXXX. I have been waiting to speak with someone regarding the account and then find out that the property was being foreclosed on. I was told on XX/XX/XXXX ( by FM XXXX team ) that I would be able to make a payment on the account ( no one before was willing to help me handle this account ), that I would need to bring the account current and suggested to add an additional " about {$500.00} '' to the payment. I was given the wire information. I submitted the funds on XX/XX/XXXX. I have actively been attempting to speak with someone regarding the account to get the account current, to get account details and to handle the estates property. This is already a stressful time, having to deal with a loved one who has passed away. The process I have been put through dealing with FM has really been overly stressful. I have been active in getting everything that FM needs but I have not been given the same respect. To make matters worse, FM did not wait a few days for the review to be completed before marking the account as an Active Foreclosure, this just adding more stress. I have been active in getting the account taken care of. I sent the first court document on XX/XX/XXXX, second court issued documents and my ID on XX/XX/XXXX. I sent the documents again on XXXX. I called again on XX/XX/XXXX and no one is willing to speak with the. The account is still " under review '' and they are still not allowed to speak with me. 
Finally was able to speak with someone regarding the account and was able to make a payment but I was charged over {$1700.00} in fees. 
I would like to request for these fees to be waived since I actively was attempting to handle this account for the XXXX. I called several times a week and I kept being informed the documents I sent were still under review.

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 2022-06-28
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:
Problem having with XXXX, XXXX and TransUnion they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX  XXXX XXXX Account : XXXX and XXXX XXXX XXXX XXXXXXXX Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan servicer, Nelnet, changed the interest rate on my fixed student loan without any justification or prior notification and without any wrongdoing on my part. I have contacted them several times since XX/XX/XXXX asking for them to investigate and correct, but they have not. 

My loans and account were opened with them ( # XXXX ) in XXXX. Since that point, the interest rate has been 0.375 % fixed. As recently as the XX/XX/XXXX statement, the interest rate shown was 0.375 %. Then, suddenly and without any notice or wrongdoing on my part, Nelnet generated a statement on XX/XX/XXXX that drastically increased the interest rate to 2.000 %. This account has been on auto-debit for years and no changes have been made. All payments have been made timely ( e.g. {$190.00} via auto debit on XX/XX/XXXX, {$190.00} auto debit on XX/XX/XXXX, {$210.00} auto debit on XX/XX/XXXX, etc. ). Nelnet has provided no justification or reason for increasing the rate. This is in breach of the terms of the loan agreement and is a fraudulent change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX, Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If all this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: GA
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:
It's been brought to my attention that Experian has violated my rights as a consumer. 

According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish the each of the following pieces of information which will include addresses, inquiries, names, and accounts. 

XXXX. XXXX XXXX XXXX ( Name id # XXXX ) XXXX XXXX XXXX XXXX Name id # XXXX ) XXXX XXXX ( Name ID XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX  ( INQUIRY ) XXXXXXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 HAVE RECENTLY BEEN DENIED CREDIT ON SEVERAL OCCASIONS BECAUSE TRANSUNION IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE TRIED TO DISPUTE THIS INACCURATE INFORMATION WITH TRANSUNION. TRANSUNION HAS REFUSED TO CORRECT THIS INACCURACY. I HAVE SENT A DIRECT LETTER OF DISPUTE BY CERTIFIED MAIL WITH SIGNATURE DELIVERY ACCEPTANCE TO THE FURNISHER OF THIS DATA SINCE XX/XX/XXXX WHICH I HAVE ATTACHED TO THIS COMPLAINT AND THE FURNISHER OF THIS DATA HAS REFUSED TO RESPOND TO MY DISPUTE. TRANSUNION IS VIOLATING MY RIGHTS BECAUSE THEY SEE ME AS THE SMALL GUY TO BULLY. 

XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX BALANCE : {$7700.00} - - - XXXX XXXX XXXX XXXX XXXX CT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CHILD SUPPORT Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status >Account 120 Days Past Due Date< Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX THIS INNACURATE INFORMATION NEEDS TO BE 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 non-monetary relief
Consumer complaint received 2021-09-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The revision Amex Gold card had cancelled the enrollment button of {$100.00} annual airlines credits and can only be enrolled by custom service, which is obviously a scam to harm the customs who do not pay attention. Amex XXXX Card still offer the enrollment button so it's not a technical issue but a trap in my opinion. I reached out the Amex chat team agent about my concern but the agent refused to admit this problem and offer limited help in applying the credits to my account.

Company response to consumer: Closed with explanation