BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: EQUIFAX, 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 have reached out to this company 6 times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC Opinion. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with equifax. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Equifax XXXX Account # Account Type Open Open Type Detail XXXX XXXXs XXXX XXXX Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts 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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that Transunion reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX credit score was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of XXXX XXXX and they asked me to open a complaint with Transunion. I called Transunion and they mentioned they can only give me my 'current ' credit report and not any historical report. Transunion can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified XXXX XXXX and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to XXXX XXXX and all were sent with USPS priority mail and tracking showed that all letters were delivered from the past 6 months. But XXXX XXXX didn't respond by letter to any of my letters.

Because of the actions of XXXX XXXX and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does XXXX XXXX know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the XXXX XXXX cards and improve my credit score. 
The action of XXXX cards only indicates that they do not want consumers to pay off their credit cards.

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 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
in XX/XX/2022 i checked my balance witch was XXXX dollars and change i payed the full amont on that day with my debit card checked my balance days later and now they say i owe XXXXand change for intrest on purchaces witch i have not used the card in almost two years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
Company is not licensed to collect a debt in my state. I do not contract with this company and am not obligated to any repayment or alleged collection. Remove the following accounts from my consumer credit report and block them from accessing my private information. These accounts have caused me serious injury to my person and has caused me to suffer severe financial loss. Cease and Desist the reporting of the following accounts within four 4 days as per outlined within the FCRA guidelines, specifically 605B : BLOCK AND DELETE. 

XXXX XXXX XXXX Opened XX/XX/2022 XXXX XXXX XXXX Opened XX/XX/2022 Misuse of my consumer profile is considered identity theft and harassment. I appreciate your swift response and remedy to my credit profile within 5 business days from receipt of this complaint. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have provided each credit bureau ( XXXX, XXXX and Transunion ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: IA
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:
Account is stating incorrectly by XXXX and XXXX. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX XXXX Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while XXXX report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with one charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with XXXX. This is a total mistake itself dates do not make sense.

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 2021-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple letters to XXXX, XXXX, and experian regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.

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 2023-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 this letter to file a formal complaint against Bank of America due to their mishandling of my account and their negligence in addressing my grievances in a timely and professional manner. 

On XX/XX/2022, I liaised with one of your representatives, aiming to close my checking account and Bank of America Visa credit card. I fulfilled the outstanding amount of {$260.00} to seal the closure. The representative verbally confirmed this action. However, a subsequent review of my credit report in XX/XX/2022 revealed a delinquent late payment tied to the very same credit card I believed was settled and closed. 

Upon contacting your institution on XX/XX/2022, it was confirmed that my account had indeed been incorrectly closed, leading to the erroneous delinquent charge. Though the account was reopened to facilitate a proper closure and an internal investigation was launched, I received no further communication from your end. Only after escalating the issue to the Consumer Financial Protection Bureau ( CFPB ) did I receive any acknowledgment. 

During this entire ordeal, XXXX XXXX XXXX, the designated enterprise specialist, consistently ignored my communications. Her eventual response was only on the brink of the CFPB 's deadline. Moreover, the subsequent investigation inexplicably denied the forceful closure of my account and even negated the existence of my business account. 

Bank of America 's inconsistency was further demonstrated in a letter I received on XX/XX/2022, which stated that my credit card had been closed per my request and was marked as delinquent, contradicting earlier correspondence. 

The repercussions of your bank 's errors have been manifold. Notably, XXXX has terminated my credit cards due to the unwarranted delinquency on my record. This, combined with the now tainted credit report, jeopardizes my imminent mortgage application. 

Bank of America 's sheer disregard for this matter has been both alarming and distressing. The apathy and unprofessionalism shown by your staff are unacceptable. I expect a prompt acknowledgment of your bank 's mistakes and immediate rectification, notably the removal of the wrongful delinquency from my credit report. An official apology for the undue stress and inconvenience caused is also warranted. 

Should Bank of America neglect to address this grievance effectively, I am prepared to resort to legal avenues to safeguard my rights. 

Your immediate attention to this pressing issue is anticipated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite the fact that I have been fully insured and faxed all insurance proof ( flood & HOA ) on XXXX2017, the company " XXXX XXXX '' formerly known as " Nationstar Mortgage '' has purchased a {$1700.00} insurance on my behalf.
As a result of that, they have increased my Escrow Projection and incorrectly adjusted my monthly payments from {$2900.00} to {$3100.00}.XX/XX/XXXX payment has already been processed with the wrong amount. 

I have tried to contact them via website and telephone multiple times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: NATIONSTAR MORTGAGE LLC
State: IN
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:
I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND NATIONSTAR FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called Amex and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.

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 monetary relief
Consumer complaint received 2023-08-09
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Freedom Mortgage, XXXX XXXX XXXX XXXX, MI XXXX. In XXXX, my home sustained considerable damage due to a hail storm. I submitted a claim with my insurance carrier, XXXX XXXX. Within a week, my insurance company issued a check for nearly {$50000.00} to make repairs. Freedom Mortgage is an endorsee on the check, along with myself and my wife. I was forced to mail the endorsed check to Freedom Mortgage, via USPS. They received the check on XX/XX/2023. As of this date, I have still not received the endorsed check back from Freedom Mortgage. The unnecessary delays have resulted in additional property damage and have personally cost me more than {$2500.00} to try to make temporary repairs on my home. I have contacted Freedom Mortgage numerous times. They have indicated to me that they intend to " reserve '' a portion of the funds until final inspections are done on the property. The problem is that contractors are telling me that they will not consider starting repairs until they are guaranteed payment. Freedom Mortgage does not return phone calls and often keeps me on hold for 30-45 minutes without answering calls.

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