BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: SC
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 FCRA, this creditor has violated my rights. Under 15 U.S.C. 1681. Sec. 602 states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) sec. 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : XXXX. Account name : XXXX XXXX, Account Number : 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX, XXXX Account # XXXX, Account name : XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with Huntington national bank. On XX/XX/XXXX I was locked out of my account. I called and they told me they were closing my account for high risk. I had some deposits into the account from my XXXX account that day And payroll the day prior. This was nothing abnormal. I was told for two weeks they were sending the instant transfer deposits back to my XXXX which they never did. They keep continuing to lie to me every time I call. I have called and spent several hours on with reps and supervisors. Each time I am told something different. Its been well over 30days I have not been notified at all about the account is being closed or what is going on. I have a positive balance of {$5700.00} that they owe me. I strongly believe they are trying to keep my money as no one will give me solid answers to what is going on. No will let me know when a check is being issued to me. Last week I was told a cashier check would be sent to me this week. Today I was told they arent sending a check to me and back to the deposit account which Im assuming is XXXX. First of all it was an instant transfer so if that was the case 5 wks ago they could of sent this back instantly to XXXX and never did. They keep continuing to lie! No one will talk to me. No one has notified me of anything. I have obligations to take care of and I need my money. This is extremely unacceptable. None of the deposits accounts were new. Everything deposited in my account had deposits several times in the past. I want answers. I want my money. I want someone to work with me and be honest because this bank is doing none of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-22
Company: EQUIFAX, 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:
On MULTIPLE occasions I disputed XXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for XXXX. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXXXXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( XXXX, Equifax, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
I contacted Experian multiple times about these nine accounts not properly reporting. 

XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ONLY report CO. They do not report 30 day late or anything more than Co. per law, you can only report from first date of delinquency, not first date of collection.

Attached are photos of one account showing this and Experian claiming they updated account in XXXX  but per status shows not been updated since XXXX. 

XXXX XXXX does same thing. Reports co but not first delinquency. It also shows balance due but the past due are two different numbers. This is besides the fact I have no idea who XXXX XXXX is. Experian again reported updated report XXXX 

HOW ARE YOU VERIFYING? I asked multiple times. I have that right to see HOW youre verifying. XXXX XXXX is NOT my account. Besides that inaccurate reporting. 
Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule.

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 2023-03-22
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX has reported a {$150.00} medical debt that I have told the creditor is invalid as it was billed under the same code on the same day by the same doctor so insurance will not cover that submission. I did pay the doctor office for the procedure and the code. I was not paying twice for one procedure. The creditor and doctor said they don't need to fix it. I am submitting insurance documentation.

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 2023-03-22
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:
On MULTIPLE occasions I disputed XXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for HEAP. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.

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 2024-01-18
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I am writing to bring to your attention the challenges and frustrations I have encountered in my dealings with your mortgage company, particularly in relation to the account associated with XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXXXXXX XXXX XXXX, my father passed away, leading to the initiation of the process to settle his estate. The gathering of the will and obtaining surrogate information understandably took a couple of months. During this time, I took the initiative to make partial mortgage payments, and in XXXX, I informed Freedom Mortgage of my intention to sell the house. 

In response to my inquiry, They advised me to pursue a deed transfer, incurring a cost of {$1000.00} and taking several weeks to process and submit. Despite my repeated communication with the representatives, emphasizing my role as the executor of the estate, the request for necessary information did not arise until XXXX. After asking and pleading for several months on how I can move along with the sale of the property. 

Regrettably, when the information was finally provided, I was informed that it was too late, resulting in the initiation of pre-foreclosure proceedings. Subsequent legal consultations revealed that a deed transfer was unnecessary for selling the house ; being the executor was sufficient. This information would have been extremely beneficial and would have omitted undue grief. 

In an effort to rectify the situation, I took out a loan under my personal name to cover the past due amount, even though I am not legally liable for these debts. Unfortunately, my attempt to settle the outstanding amount is being rejected by your Freedom Mortgage, demanding additional lawyer fees on top of the already considerable financial burden. 

I am now facing significant expenses, including {$3000.00} for lawyer fees, {$1000.00} for a deed transfer that was unnecessary, and an extra {$3000.00} for the loan, all while being stuck with a property I intended to sell since XXXX. 

I believe that had I been provided with accurate information and guidance from the outset, the house would have been sold, and these issues resolved months ago. I kindly request your immediate attention to this matter and a thorough review of the circumstances, as well as a reconsideration of the requested fees. 

I anticipate a prompt resolution to avoid further financial strain and potential legal actions. Your cooperation in rectifying this situation is highly appreciated. 

The house is currently on the market and has showings on a daily basis, I hope we don't get penalized for taking the wrong direction and losing all my parents have worked so hard for. I am highly anticipating the resolution of this burden. 

Thank you, 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 2023-03-22
Company: Experian Information Solutions Inc.
State: RI
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 Fair Credit Reporting act. The list of accounts below has violated my federal ally protected consumer rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681. Section 602 A states I have the right to privacy 15 U.S.C 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 my account with out my written consent 15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting angency may make any consumer report containing any of the following items of information An other adverse item of information, other than records 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 angency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2023-01-05
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:
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. Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
I DID AUTHORIZE THESE INQUIRES 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation