BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Our house sold in XXXX with a closing date of XXXX XXXX. Every step along the way appears to be a purposeful delay. With each delay we get a new proposed closing date of from 60 to 90 days. They buyer has great credit and is placing a large cash down payment. The first delay was that the third-party communication form signatures had expired. Then there was a delay in contacting the buyer then signatures had expired. Then after contacting Freedom mortgage and insisting on speaking to a supervisor we were told it was taking way beyond the normal time to process and that he would expedite the process and contact us the next day. He did not and did not reply to phone calls or email. Then it made it to the assumption department where after another 60 days it went to Underwriting. After the initial approval they said we would probably close by XX/XX/2023. Then they requested additional information from the buyer which was supplied in less than 24 hours. Then they said they didn't receive it then the next day they apologized for the error and said they found it. Now they say the have resubmitted the package to underwriting and it will be XXXX because the package had to go to the back of the line. When we authorized the assumption, we were told 30 to 90 days it has now been over 150 days and still looking at least 30more days. It has cost me additional interest on my XXXX loan for my new property. It has cost the Buyer additional money in rent to remain in the property during the process. I believe it is a scam to try and discourage people from using the VA loan assumption process.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from 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 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates are attached! 
BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-24
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : 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  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 identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: IL
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 recently viewed a copy of my consumer credit report and notice a bunch of unauthorized Inquires. The List below is all the unauthorized Inquiries on my consumer credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX. XXXX XXXX XXXX, BALANCE {$8200.00}, ACCT XXXX, XXXX. XXXX XXXX XXXX, BALANCE {$4400.00} ACCT XXXX, XXXX. XXXX XXXX XXXX, BALANCE {$940.00} ACCT XXXX, XXXXXXXX XXXX XXXX, BALANCE {$5700.00} ACCT XXXX. ) has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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. 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2019-04-07
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, Experian as a credit card, and XXXX is reporting no account type. XXXX is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and experian is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX experian is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, Experian is reporting it as {$0.00}, and XXXX is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested Experian to remove my old addresses from my credit report. They have declined. A family member of mine was a victim of fraud and one of her previous addresses was used to defraud her. I am fearful that this might happen to me. I want my credit report to reflect only my current address and not any addresses I lived at more than 5years ago.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have purchased myfico and XXXX XXXX in regards to my Experian report & they are not furnishing my report to them. I have tried to get my report from my free annual credit report as well and they are unable to locate my report. its supposed to be easy to obtain my consumers report. & without reason they are making it hard to view.

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 2019-04-07
Company: U.S. BANCORP
State: PA
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 XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX  as a credit card, and XXXX  is reporting no account type. XXXX  is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and XXXX  is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and XXXX  is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.

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 2015-08-04
Company: Paypal Holdings, Inc
State: MD
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Shopping for a line of credit

Complaint:
On Friday XXXX XXXX my husband and I ordered something on E-bay for {$9.00}. When we chose our credit card that we have in PayPal, which is a XXXX to pay for it, it came back and said it was denied because we needed to send updated credit card information. So we went back in to PayPal to update our credit card information, which we did, purchased the item for {$9.00} from the seller, got the confirmation from the seller that the credit card was approved and it was being shipped. We were unaware that during this process of updating our credit card we were pressing a PayPal Credit key that was authorizing PayPal Credit to give us a line of credit with PayPal Credit. When we checked our email we had not only the confirmation of the item we purchased form the seller, we had another email from PayPal Credit congratulating us that we had been approved for a {$4500.00} line of credit with PayPal Credit. To our shock and dismay we found the number, which is hard to find, called them to inquire about this and the customer service rep told us that we had authorized this line of credit when we checked the box authorizing it and entered the last four of XXXX social security number. PayPal told us that we authorized this line of credit by giving our social security number and checking the box. We never signed an agreement with them. We asked to have it disappear, like we never authorized it at all and they told us that we had to cancel it but it was still on our credit report. I questioned them saying how could it happen that quickly in two minutes and they said that 's the way they do it. I asked to speak with the customer service reps manager and she obliged, so I spoke to XXXX XXXX, I explained the situation. He told me again we had authorized it, we were not scammed, and that we could cancel it but it would still appear on our credit report. I told him that was fraudulent and I felt scammed. I told him I would be pursuing this with one of the government agencies when they opened on Monday. I have not cancelled the account because I was afraid to, that that might determine I was admitting guilt for something that I opened that I did n't open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NM
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 had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: AZ
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 account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open 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 explanation
Consumer complaint received 2015-04-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with XXXX XXXX XXXX XXXX. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified XXXX mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that XXXX and XXXX XXXX had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that XXXX and XXXX XXXX served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
Experian is not telling the truth. They are adding XXXX things to my report to make it look like they are doing something. In 11 days I pay XXXX again and they will say the fixed the problem THEY DID NOT they just waisted time toll 3 more bills were paid supporting documents prove my case

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