BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage bought my loan in XX/XX/2018. From day one I have had nothing but problems with them, ie. recording payments properly miss applying payments to the wrong account. 
I have had converstions with them on more times then I would have cared to, with nothing resolved. 
I have asked for a face to face to resolve the issue but they stated " we dont do that ''. 
I have this all documented with the dates, times, and person Ispoke with. 
They have now filed a foreclosure proceeding against me. I am not in the arrears and I have all my bank statements to prove it. 
I have their statements showing on several different occasions that there was no payment due, I knew this was nor correct and amde the payments anyway. 
Their statements are very confusing and I believe this is intentional, so as to confuse the customer. 
they keep calling and asking me to sign up for a program to get money from the government to pay what they say are arrearage, I did not participate in this because I am not in the arrears, This seems like a scam on their part to get money not due them. 
I am in the process of compling the bank statements and will provide them in a few days. 
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 2017-09-11
Company: Experian Information Solutions Inc.
State: NY
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 appeared on my credit report. It shows a medical bill from XXXXXXXX XXXX I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS XXXX and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXX really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: MO
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:
There is fraudulent information that Experian has on my credit report. This information is being fraudulently reported by XXXX XXXX XXXX and says its from an XXXX XXXX XXXX account that I do not have. Experian says this account is verified and will not provide and verification means or method. The XXXX XXXX has not provided proof that this is mine debt either because it is not mine. I want this erroneous information off my 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 2017-07-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had student loans with XXXX. They were transferred to Transworld Systems. The original amount was XXXX XXXXXXXX. We agreed to a settlement of XXXX XXXX. I made every payment as agreed to with automatic deduction from my bank account. This started on XX/XX/XXXX. My final payment was made on XX/XX/XXXX. There was additional withdraws set up for my account. On XX/XX/XXXX, I spoke with XXXX ( A supervisor ) about that. At that my point my balance showed {$7300.00}. Accoprding to my settlement agreement, I owed {$2200.00}. XXXX agreed that according to records this was correct and we scheduled two final payments. XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$1000.00} and that would complete my obligation. I spoke with XXXX again on XX/XX/XXXX and she stated that the account was paid and a request to remove from my credit report would be made. I also requested a letter stating that I had paid the account and have received that and attached. <P/>The Collections were removed from my credit report on XX/XX/XXXX. <P/>On XX/XX/XXXX Transworld reported to XXXX that I have an open collections account for XXXX XXXX. I have tried and worked hard to bring my credit score and repair my credit. I was doing great. This crushed that. I was denied a loan and could n't figure out why. Then I checked and saw this. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

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 2022-06-16
Company: R.M. Galicia, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer Finance, On a recent review of my credit reports I see PROGRESSIVE MANAGEMENT S who is a collection agency says I owe 3 amounts : {$340.00}, {$870.00}, {$610.00}. 

I have contacted the collection agency to validate the debts are mine several times, as well as the 3 credit bearueas, and they have failed to provide accurate proof.

The letter will be attached to this complaint.

I want these 3 collection accounts removed as they are not mine.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: MO
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXXACCOUNT # XXXX, XXXX XXXX XXXX/ ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXX., XXXX XXXX/ACCOUNT # XXXX, XXXX XXXXACOUNT # XXXX, XXXX XXXX/ACCOUNT # UNKNOWN, 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 : 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 2022-06-16
Company: Experian Information Solutions 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:
Experian has several inquiries linked to a single loan from XX/XX/22. XXXX XXXX XXXX pulled my report without my consent.

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 2017-10-03
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the 2nd time in 19 months our mortgage payment is going up with no explanation why. Caliber Home Loans Inc. only states " in accordance with federal guidelines ''. In checking with the XXXX Assessor, there have been no changes in the value of the home and have not been notified of a property tax increase. So my wife and I are trying to find out why our mortgage amount has increased twice since we got the home last XX/XX/XXXX? No answers and no one has been forth coming. The principal and interest are fixed. Something seems awry and needs to be corrected. 
When one budgets expenses, the expectations that costs are fixed. With and ever increasing mortgage payment, how is anyone supposed to stay in their home? I expect a swift resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: PA
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:
Account # XXXX XXXX XXXX XXXX was added XX/XX/2009 account should be removed after 7 years. The account is now open account and in good standing but the account is in both negative and current standing. Negative past due status should be removed from credit report. incorrect amount and account is not closed

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 2022-06-16
Company: EQUIFAX, 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 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 XXXX XXXX  XXXX, {$23000.00} XXXX XXXXXXXX XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XX/XX/XXXX, I ordered 48 windows and a patio door from XXXX 's, including installation services and a lifetime warranty. XXXX 's contracted to inspect the property, order the correct windows and door, deliver the windows, and install the windows in accordance with XXXX 's installation instructions and local building codes. I was promised that windows would be delivered and installed from XX/XX/XXXX through XX/XX/XXXX. No windows or doors have been delivered or installed that are appropriate for installation in my home, that could be installed in accordance with XXXX 's installation instructions, that are the correct size, or that comply with local building codes. I paid XXXX 's {$40000.00} on XX/XX/XXXX and {$39000.00} on XX/XX/XXXX for the services that XXXX 's has failed to provide. 

Based on the failure of XXXX 's to provide any of the contracted services, I demanded a refund from XXXX 's on XX/XX/XXXX. I filed a claim with Chase on XX/XX/XXXX to dispute the charge on my credit card. Chase has failed to take any action or provide any information on my claim, despite dozens of calls and messages to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, INC.
State: CA
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:
This is the fourth time in recent history that a potential Lender has been unable to hard pull my Equifax credit file. Equifax says absolutely nothing wrong on their end, but XXXX, XXXX XXXX and XXXX all get the same " no data available '' response from Equifax. My most recent response to the same complaint resulted in Equifax sending me a paper copy of my report. This is not what I asked for!!! I WANT LENDERS TO HAVE ACCESS TO MY EQUIFAX CREDIT FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: OH
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 was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appeared on my credit report. It shows a medical bill from XXXXXXXXXXXX XXXX. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXXXXX  really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.

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 2022-06-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This has been an ongoing problem for many months. I made my payments on time and confirmed all was well with Wells Fargo. Then they told me my payment was late and they charged off my account and won't allow me to make any further payments. 

I've written to the executive offices no fewer than 9 times requesting information and a conversation but I've received nothing other than form letters in return with no action possible.

I want to settle the issue properly, but I don't feel like the bank should have full control over what happens, particularly since their assessment of the situation is totally, provably false. I've presented my documentation proving my version of events. They refuse to even discuss the issue. 

Complaint Case # : 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 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit reporting company, Equifax, discovered they had had a serious data breach involving the compromise of thousands and thousands of their customers data in XXXX of this year. 

They recently made the public aware of this breach. Customers make check the companies web site to see if their personal data was involved, however, to do so automatically means you give up your right to sue the company and are forced into arbitration if you incur damages from the breach of your data. This seems totally unfair to the consumers! Especially since it is believed the reason for the breach in the first place was that the security purchased by Equifax to secure its data was insufficient, although sufficient security was available. Apparently, it was a company budgeting decision not to get the sufficient security. 

Additionally, it appears that between Equifax knowing of the breach in XXXX, and the general notice to the public just recently, many executives of the company sold their stock..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My TD debit card was stolen on XX/XX/ XXXX The theft of the card was discovered by me on XX/XX/ when I wanted to make a purchase with it. I immediately checked on my account online and saw the fradulent transaction for {$1700.00} at XXXX XXXX on XX/XX/ XXXX  which caused an account overdraft. I called TD Bank and reported my card stolen and opened a claim to have the funds returned to me. In about 10 days I received a letter from TD Bank that the claim was denied because I indicated that the card was in my possession when the fraud occured. Clearly, this was a mistake, because I reported the card stolen. I called the bank again, explained that the card was NOT in my possession and the claim was reopened. The provisional credit was posted to my account on XX/XX/XXXX  for the same account, along with a refund of overdraft fees I was charged because my account went into overdraft. 

On XX/XX/ I received another letter from TD that the claim was again denied because the fradulent transaction did not fit the regular fraud activities ; i.e. there were no small testing charges first and the transaction did not deplete the account. I called TD Bank again for an explanation of these reasons, but I did not receive a satisfatory explanation. The investigation was complete and the claim was denied based on the reason stated in the letter. I asked about what investigation took place and I was told that the documentation will be mailed to me. I have never received anything. I was told that I should have reported it to the police and sent a police report to TD Bank. Note - I was never told that in any of the prior calls. I was also told that I need to take up the claim with the vendor who owes me the money. Laughable suggestion. 

I proceeded to get a police report from XXXX XXXX in XXXX XXXX, NY where the theft of my card occured. The report was taken and today I finally received a mailed copy of the report, which I now faxed over to TD Bank. I did also call them and was informed that there is no guarantee the claim will be reopened and reexamined. 

With filing the complaint with CFPB, I am hoping that I can be finally recognized as victim of fraud and be made whole financially. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
since Shellpoint mortgage services took my loan from  XXXX   XXXX   XXXX  they accused me I miss two payment and keep changing the date and year of missing payment.   I contact them since da y one and the assigned case manager  From  XXXX   XXXX   XXXX  as a  manager of BK dep artment which I 'm in chapter  XXXX  protection now no response and I keep call to find out what is going on and after that they keep changing ca se manager for 4th times  and I start explain all over and they answer was same every time which we will review your file and get back to you which never happened and I have all our email conversation copy.   Now after 3 years back and fort they file Notice  of Motion And Motion for Relief from  the automatic stay unde r 11 U.S.C 362 and dema nding   XXXX   XXXX   XXXX  to pay or loss my home after 20 years and raise my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: FL
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:
This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP

Company response to consumer: Closed with explanation