BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Lennar Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is my complaint In the first payment letter at the closing cost, in XX/XX/XXXX, the monthly payment at our escrow account includes properties tax, insurances, principal and interest and starting on XX/XX/XXXX ( See attached pdf firs payment letter ) are the following : - Principal and interest : {$1.00} XXXX - Property tax : {$490.00} - Hazard insurance reserve : {$47.00} - Mortgage insurance : {$95.00} - Total monthly payment : XXXX On XX/XX/XXXX, we got another letter from XXXX XXXX and suppose they act on behalf of XXXX for the adjusted money to pay : - Principal and interest : {$1.00} XXXX - Escrow taxes and insurance : {$670.00} - Prorated shortage : {$340.00} - Total monthly payment : {$2200.00} As we are new homeowner, some mortgage word such shortage is hard for us to understand. 
So, to understand if shortage amount is for balance due for past or for increased tax or insurance, we called XXXX XXXX for have more information but they refuse give the information regarding the property tax for XXXX and XXXX and ask us see our district tax. 

The district tax let us know our property tax is {$1700.00}. As we currently pay {$490.00} per month as property tax, there is a higher difference between the tax provided by our tax district and that increase our confusion. 
Currently we dont know where come from the shortage as XXXX XXXX is unable give us the info. Tried call XXXX but unable get temps we decide better complaint to oblige XXXX give us written explanation so in the future whe have all info and will not be stressed. 

We want to know : XXXX ) Where come from the prorated shortage of {$4100.00}? 
XXXX ) Can you specify how will if pro-rated shortage is projected tax only or other? 
XXXX ) What is the monthly payment for XXXX  or hazard insurance for XXXX? 
XXXX ) What is the monthly payment for Mortgage insurance for XXXX? 
XXXX ) What is the monthly payment for property tax for XXXX XXXX ) XXXX we have a copy for our property tax for XXXX and XXXX received from tax office? 
XXXX ) There is possible for us to pay directly our property tax to tax office? 

The complaint is only to oblige our lender to provide us the information as this is very unfair pay various tax without know where they are coming from Documents attached PDF XXXX. First payment letter XXXX. XXXX from XXXX XXXX XXXX. Letter from our XXXX tax office Thank you 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 2023-02-08
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX along with XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a 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 a payment on a credit account under an open end consumer credit plan as late for any purpose. The provided data to the XXXX on or about XXXX XXXX XXXX. Listed below is their contact infor : LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX I gave no legal authority to collect or disseminate my personal information at any time. This has resulted in a denial of XXXX Please seek maximum damages on my behalf!!

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 2022-11-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for a loan modification XX/XX/XXXX and was denied. They gave me the runaround with my pay stubs asking if federal taxes was being taking out. They kept rejecting the stubs along with my XXXX taxes that I had gotten from the IRS. Then finally I was denied because they said they could not work out a plan because I owed to much. I applied for the Maryland Home Fund program and was preliminary approved for {$60000.00}. At the time XXXX would have brought my account current and my loan would have been reinstated. However, I was denied back in XX/XX/XXXX because they could not come up with a reasonable payment plan. Maryland Home Fund put {$60000.00} on the table for negotiations and they still denied me. In the denial letter Maryland Home Fund stated that the mortgage company said I am eligible to apply for a modification. They first denied me with no money on the table and then denied me with {$60000.00} on the table. I clearly have the income now since XXXX to stay current. Now the interest rates are about 7 %. They dragged it out and my current interest rate is 4 %. I'd like to know why they would not except the XXXX to modify me but tell me I'm eligible now. They have me gather all this information as if they are just going through the motions just to deny me. When my bankruptcy plan go into effect on XX/XX/XXXX I will have to pay XXXX a month plus the mortgage which is {$1700.00}. That will be very hard. If my pay stubs and taxes that were issued through IRS because I could not locate them that they kept rejecting are good enough for the trustee and Bankruptcy court and the Maryland home fund program, why are they not good enough for the mortgage company. They just want the house now that the property values are up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-08-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to XXXX, XXXX and Equifax on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2021-08-02
Company: The CBE Group, Inc.
State: UT
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:
I have been filing and sending several letters and have never heard back. I sent letters several times to dispute the validity, and have requested validation and have received nothing. I will attach the letter sent several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Im order for there to be truth in lending and for me as a consumer to be able to get the best financial opportunities in the markets, CONSUMER REPORTS SHOULD BE 100 % ACCURATE

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 2022-06-21
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXX for {$640.00} and a service plan that cost {$59.00}, a total of {$700.00}. Order number XXXX. I purchased this item from the Exchange/AAFES Military online store and used my Military Star credit card to make the purchase. I called the customer service approximately 2 days later to cancel the order because I found a suitable blender at XXXX at a much cheaper price. I was informed that the order could not be canceled even though it had not been shipped. The same day I received an email stating that the item shipped. I received the item via XXXX on Wednesday, XX/XX/2022. That same day, I called the Exchange customer service to get a return label to return the item right away. I received the XXXX return label and went to XXXX in XXXX, FL that same day to return the item using the label sent to me from the Exchange store. The XXXX tracking shows that the item was received on XX/XX/2022 in XXXX, TX and signed for by a XXXX. I called the Exchange customer service the following day to follow up on the item received to make sure they also showed the item was returned, I was told that they do see it returned and I have to wait 5 business days for the refund on my military star card, I waited and still no refund. I called the Exchange customer service back on XX/XX/2022 and talked to a XXXX, and she said she can see that the item was returned with the tracking number but their system had been down and I would need to wait another 3 days. I called the Exchange Customer service back today, XX/XX/2022 and spoke to a Supervisor, XXXX, and he said that he has to now call XXXX to check on the tracking and then I will get a refund in another 5 business days. I am not satisfied with his answer and told him that he can look online to check the tracking like I did and it will show the item was received back on XX/XX/2022. Also advised him that previous agents could see it in their system, why can't he. He again stated in a nonchalant way that he will just have to call XXXX  and get the process started. I am not sure what is going on in their system. I know that I used the label they provided me and returned the item the same day I received it. It is a very expensive item and now they don't want to give me the credit back to my card which has caused my credit score to go down based on credit card usage. I am very upset that this has turned into a problem and I feel that I am getting the run around with the Exchange store. I need this resolved ASAP. Please assist. 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights 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 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 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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 fix 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 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 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 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 2022-08-19
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance being innacurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: ID Analytics, Inc.
State: OH
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:
XXXX XXXX and/or Sagestream LLC reported information to credit bureaus when there is an active security freeze on my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector, EOS CCA, has been attempting to collect a payment for a XXXX account that is not ours. I have repeatedly written to them requesting the information on the debt as per the Fair Credit Reporting Act. I have never received a response from them, and they continue to send letters/call about the debt. They sent the first request on XX/XX/XXXX for a XXXX account from XXXX in the amount of {$200.00}, which I responded to with a letter which they never responded to. Their second billing came on XX/XX/XXXX, which I again responded to with a letter. Their third request came on XX/XX/XXXX, which I again responded to with a letter. All correspondence is attached. We have also been getting 2-3 phone calls/day on our home phone number from a debt collector which I have not been answering. 

We had a XXXX account for this service that was disconnected in XXXX when we sold the house. All bills, including the final bill, was paid in full at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief