BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
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:
Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : 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 explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding my persistent efforts to correct a late open accounts on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct these late open accounts : XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$15.00}.

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 explanation
Consumer complaint received 2021-03-14
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX notified me that my Credit Score went from XXXX to XXXX due to incorrect reporting by XXXX XXXX XXXX, a collection agency of questionable reliability, at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX from an overdue XXXX XXXX XXXX XXXX charge for an XXXX XXXX XXXX for {$1000.00}. 
This was incurred on XXXX XXXX by a XXXX XXXX, for phone # XXXX at a private residence which is also listed as a XXXX XXXX XXXX. 
I have never had a personal account of any type with XXXX XXXX XXXX ; in addition, I hadn't lived in XXXX XXXX since XX/XX/XXXX. I have never lived at that address. All of this can be verified by my Credit History. I have an Excellent Credit Card record. I have never had a cell phone number at XXXX. 
I have done Disputes with all the 3 big Credit Reporting Services. XXXX has never contacted me in writing or by phone. I have tried to call XXXX at their listed phone # : XXXX but the phone messages are always full. I have contacted them by numerous Emails with no response to resolve. 
I have always worked hard to establish my good credit..this is a frustrating situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Experian Information Solutions Inc.
State: AL
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 sent in a follow suit letter to Experian and XXXX about the XXXX XXXX XXXX collection because XXXX removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from Transunion.

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 2019-07-04
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-01-08
Company: Santander Consumer USA Holdings Inc.
State: OH
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 are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2020, SANTANDER CONSUMER USA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding my persistent efforts to correct a late open account on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX  Balance : {$4100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied online for a mortgage refi on XXXX. 
Spoke with the loan salesperson, XXXX XXXX on XXXX. He ran my credit and provided me a loan estimate verbally of XXXXXXXX XXXX rate {$250.00} in lender fees, zero points, and 2.875 % /2.888 % APR. On XXXX, I downloaded Mutual of Omaha 's signing application and started unloading all the necessary docs to include paystubs, taxes, banking and mortgage information. The disclosure # 1 that I received was accurate, dated XXXX. I signed it and asked for them to lock my rate. On XX/XX/XXXX, I received a 2nd disclosure with a completely different loan amount and points. I declined this and inquired with the mortgage agent as to why the loan was changed and why there is a point. He said it was a backoffice, clerical error. In the meantime, I had an appraiser scheduled to come on XX/XX/XXXX. This would cost me {$490.00}. I didn't want him to come if the loan was incorrect. So, I feverishly reached out to my mortgage agent, XXXX XXXX, and asked him to get me a corrected, locked disclosure. Again, he reassured me that the loan info showing in the app and the disclosure was incorrect. On XX/XX/XXXX, the appraiser reached out to me and rescheduled to XX/XX/XXXX. I again reached out to XXXX XXXX and said that I can't have the appraisal done if the loan is wrong. Again, he assured me that everything on disclosure # 1 is the correct loan. The appraiser appraised the property at {$18000.00} more than what I estimated for the loan. I shopped for title services and placed a {$250.00} deposit with a title company. I have since received two closing loan disclosures starting XXXX that are both incorrect. I declined them both. The lender refuses to adhere to their original offer and has not provided any reason for why they changed the disclosure. My credit scores did not change and my wages actually increased in the meantime. The property value increased as well. This appears to be a classic bait and switch tactic. Please assist. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a $ XXXX check from my family trust on XX/XX/XXXX, they said the funds would be released on XX/XX/XXXX at XXXX. They did not release until XX/XX/XXXX. No one will give me a reason why two days late.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to XXXX, Experian, and XXXX to dispute wrongful credit reporting and to provide proof or have that deleted off 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 explanation
Consumer complaint received 2021-04-09
Company: State Home Mortgage
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my closing attorney reached out to STATE Home Mortgage, for my final payoff quote for my mortgage. 
This being due to the fact that I recently was selling my home and the loan was going to be paid off in full. 
The payoff request was faxed to the fax number notated on State Home Mortgage 's website. 
Upon checking back with the attorney to see whether she had received the pay off quote, she told me no. She had not received any correspondence yet, as to the request. 
I proceeded to contact State Home Mortgage myself, to find out what the status was on my attorney receiving the payoff quote. 
They then proceeded to inform me that it needed to be emailed, that they did not receive anything. 
Upon receiving the payoff quote back within my HUD settlement agreement, it was quoted that I owe a total of {$24000.00} for my first loan and {$7500.00} for my second loan. This grand total equaling {$32000.00}. Please see attached documents I have also attached the payoff information that was forwarded to the attorney. 
Upon conducting my closing, the transaction was closed and everything was finalized. All monies were disbursed according to the HUD statement. 
A week later my attorney called me back informing me that my mortgage company contacted them and the payoff quote they provided was short by {$100000.00}. 
The correct amount upon receiving the new payoff quote was {$95000.00}. 
The amount in which this payoff quote was off is totally unacceptable. 
It was a week before this situation was brought to my attention, after I continuously called to check and see if the payoff payments were applied to my account. 
I could have spent the money, bought another house, I would then be sued for the remaining balance from the people who bought the home. 
The title would no longer be free and clear. 
This situation created a major hardship for me and was handled in a very negligent way. 
I have reached out to the Manager at the payoff department and asked that disciplinary measures be taken on this employee for this negligence. She should no longer be able to continue to serve in the capacity in which she serves. 
I asked the manager who's name is XXXX XXXX, what the person 's name is who requested the original payoff quote. She did not inform me of her name. 
There is only a signature on the payoff information that was sent to my attorney. I believe her name is XXXX XXXX. 
This matter needs to be tended to, to where this type of careless mistake does not happen again. 
When you are dealing with something as serious in nature as high dollar mortgage payoffs, the individuals in these positions should be thoroughly trained ; to know how to properly carry out this type of major transaction. 
Your attention to this matter is urgently needed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NC
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 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to Transunion, XXXX and XXXX, this alleged debt has been verified. How did they verify the debt if the company has provided that information.

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following financial institution listed below is illegally disclosing, thru their affiliates, non affiliates, third part affiliates and non-third party affiliates, my personal information. 
Under Congress law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer that : Part a : as a consumer, any financial institution wishes to disclose my information, I have to be notified, either via phone, electronically or by mail. AND IT MUST ALSO COINCIDE WITH Part B ; before a financial institution discloses my information, I have to say yes or no. And finally, it must also coincide with part c : if I say no, I am to be given all options in securing my rights to ensure that they dont report my information before such actions are taken by the financial institution. 
And lastly, under Congress law 15 U.S. Code 1681a, part ( 2 ) Exclusions. the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions ( late fees or charge offs ) or experiences between the consumer and the financial institution, unless authorized based on Congress law 15 U.S. Code 6802, parts A, B, & C. I did not authorized or agreed for these financial institution, or otherwise to disclose any of my transaction history with any third party of any kind, that includes consumer reporting agencies. Most importantly, I was never contacted by this financial institution and given the choices listed above ( 15 U.S. Code 6802, parts A, B, & C. ) My rights as a consumer, Under the Fair Credit Reporting Act ( FCRA ) a consumer report ( CR ) is any written, oral, or other communication of any information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( i ) credit or insurance to be used primarily for personal, family, or household purposes ; ( ii ) employment purposes ; or ( iii ) any other FCRA permissible purpose ( Section 1681b. 

Thank you, 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 explanation