BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint on how Homepoint Financial refuses to correct a report to the credit agency, which has dropped my score XXXX points. 

In XXXX I made my regular mortgage payment - {$1400.00} + {$100.00} extra to be applied to principal. 
When I wrote out the check- I wrote the numeric portion correctly, {$1500.00}, but the cursive part I wrote as XXXX XXXX XXXX XXXX and XXXX/XXXX. I was heading out of state the next day for an extended trip and it was just an honest mistake. I even wrote the correct amount of {$1500.00} in the tear off statement sheet I mail with the check. 

Since, as I mentioned above, I have been away from home since mid XXXX, I had not received mail and did not know that I had made this mistake. I called Homepoint to get the correct mailing address so that I could mail my XXXX mortgage payment. This is the first I heard that I was past due. Apparently, Homepoint uses the cursive portion vs the actual numeric number. When I heard this, I immediately had them deduct the " shortage '' from my account. 

I never received any notice from them on this. They said they sent a letter, but as I mentioned above, I have not been home since XXXX. I did not receive any emails, or phone calls from them. 

That's when I found out my credit score dropped so much. I have asked them repeatedly to re-report to credit agencies as this was a simple and honest mistake, not in any way for me not to pay the correct amount. Every representative I speak to says they understand and they can see that there was no intent to short the amount, but their hands are tied. I get absolutely no where with them at all. And when they say they are investigating and even say to me that there are too many calls with me to listen to all of them. This is so important to me and they don't call me back with resolutions, I give them a week to do, and then after that, I call back and go through it again. 

And this is only one issue I have with them. I also have an escrow issue that they had wrong information ( by {$3000.00} over charge ) that they see is wrong, but has taken them months to correct and is still not. It's like there is one person working here and no one has any authority to do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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:
I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX  acct # XXXX ( XXXX  XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXX acct XXXX XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2023-12-07
Company: Incomm Holdings Inc.
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given five prepaid cards as a gift. They are for {$500.00} each. They were purchased at XXXX, and the cards say they are from Vanilla. I have receipts from XXXX for each of them. I tried to activate two of them at XXXX, as directed on the card. I got a couple of different error messages, that the system was down, or there was a problem with my card. I then called the company. I went through each of the five cards with the representative. He told me two work ( I have not tried them yet ) and the other three are invalid or have been flagged for fraud. He took my address, phone number, email address, but could not explain why he needed that information. ( I did not purchase the cards, they were a gift. ). He then said I had to submit a complaint to an email address - XXXX. I have to include photos of the card, receipt, packaging, which seems OK, but also my drivers license, which concerns me. Again, the representative could not explain how they will research the matter, or why they need my personal information to do so, including a photo of my drivers license. 
The cards were purchased for me on XX/XX/XXXX, and I have admittedly been slow to activate them. But they dont expire until XXXX, so this should not be a problem. 
I will initiate the dispute process, but will not send them a photo of my drivers license. I will write back if they insist on this, or if I am unable to access the funds. In the meantime, flagging this incident in case many others are having problem accessing funds that this company is holding via prepaid card purchases.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: NY
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 has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 agency if 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 2023-09-25
Company: Escrow of the West
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Escrow of West and agent XXXX are in breach of contract to administer escrow as detailed within a XXXX page document describing customary duties of escrow, titled " Instructions of Escrow '' as provided to buyer on XX/XX/2023. 

Multiple " good faith '' attempts were made by the buyer to Escrow of West for corrective action and to provide explanation as to why customary fees were being categorized as " extraordinary '' ( page XXXX, item XXXX ) and charged as additional escrow " junk fees '' commonly labeled as admin, archive, overnight, loan tie-in, environment, document, email, correspondence, record, etc. 

The principal escrow fee at {$3.00} per {$1000.00} is already XXXX % higher than market and sufficient to cover the customary activities of escrow as this is a simple cash purchase. A partial courtesy credit was provided but is not sufficient as this practice of overcharging the client with " junk fees '' needs to be penalized and eliminated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX acct # XXXX ( XXXX  XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXXXXXX acct XXXX XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.

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 2022-06-23
Company: Parkway Financial Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In or about XX/XX/XXXX a request was made by me to remove escrow payments from the monthly mortgage with lender Inspire Home Loans serviced by XXXX See attachment email confirming inquiry ticket XXXX. 

In a letter dated in or about XX/XX/XXXX I was notified that the escrow removal was denied due to the loan to value ratio on the property not meeting an 80 % value. See attachment. 

This is incorrect and does not apply to the guidelines set by government backed enterprises such as XXXX XXXX  See the following from their website : In general, to qualify for an escrow waiver on a conventional loan, youll need : XXXX below 80 % ( meaning you have more than 20 % equity in your home ) No recent delinquencies No loan modifications No previous defaults on an escrow waiver The home was recently appraised a value of {$500000.00} during a Brokers appraisal that took place on XX/XX/XXXX by lenders own agent. See attachment. 

The current owed loan amount is {$350000.00} see attached, and the value of the property was assessed at {$500000.00}. 

This would mean the loan to value ratio is well below the 80 % threshold as XXXX is 69 %. 

Multiple multiple attempts have been made to resolve this issue with the mortgage lender and loan servicer. 


Also, during a previous complaint see, XXXX, it was stated by XXXX supervisor XXXX in a phone conversation On XX/XX/XXXX that monthly PMI payments made between XXXX and XXXX totaling {$280.00} would be refunded once the new value of the home was established. In an attempt to retrieve this reimbursement I was denied citing a decision was made to not honor the reimbursement.

Please get these issues resolved and grant the escrow waiver as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax will not remove XXXX account and the XXXX account both of which are 7 years old from my credit report with them. XXXX has removed them both. I would like a {$1000.00} each for both accounts as they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. 

Account # : XXXX {$610.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I applied for a apartment and the leasing office told me i had a debt from an apartment.Which i never even had an apartment before .Therfor that was untrue.I checked my credit report an dsee the national credit system said i owed {$2200.00} to XXXX XXXX XXXX. i never stayed there before.Someone stole my idendity and had got an apartment in my name. This needs to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: TX
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 numerous complaints for equifax and XXXX also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 numerous complaints for XXXX and XXXX also trans union to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports

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 2022-06-23
Company: Veros Credit, LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 during a visit to a dealership and i was alerted that their was a repossessed vehicle with an outstanding balance on my credit of {$10000.00} showing from VEROS CREDIT. I have never had any vehicle from them nor did i authorize any. Afterwards i made a police report and tried to resolve it with VEROS credit. Attached is the conversation between us via email in which i stated multiple times i did NOT want to speak on the phone because i wanted all of our communication in writing. I gave them everything they asked me for and followed up so many times. This is affecting my day to day life because i need to move out and can not qualify for anything because this displays on my credit. They have never reached back out to me with any solutions. Attached below is also the police report, my ID and documents i sent over to veros and an affidavit i sent over to them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} US DEPARTMENT OF EDU Original creditor XXXX DIRECT LOANS XXXX Balance : {$3000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$4300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$1600.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2200.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$7000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$5400.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/202 XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 someone used my personal information to open a Bank of America XXXX XXXXXXXX credit card.

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 2022-06-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I c system is the name of the fraudulent account holder that continuous try and get money that I do not own. each year this company who I never did business with and have ask how you obtained my information about a non-existing account I have ask for any info as to why do you think I own you any money, since i have never did business with you, but this company keeps sending me fraudulent bills of XXXX year after year now they have somehow got this fraudulent information on my credit report. I do not know of this company or its dealings.my next move is to sue this company for fraud.

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