BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
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:
According to 15 USC 1681a ( 2 ) ( A ) ( i ), Transunion is in violation of the FCRA. Transunion has also violated 15 USC 1681a ( 2 ) ( B ) which is the exclusion section. I am demanding the following inquiries be deleted ASAP : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( via XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-10-17
Company: EQUIFAX, INC.
State: IL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: TX
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:
Unknown medical bill showing reporting on Equifax acct XXXX in the amount of {$100.00} has been disputed already and bureaus have not complied to prove account or inform of original furnisher without validation not sure how to know : 1. If it's my debt and 2. how to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-04-22
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
my mortgage co. is..freedom mortgage... i took a forebarance on my house for a year..i started paying on my house again afterwards..i never missed a payment befor or after the forbarance..i got my forbarance papers the first week of XXXX XXXX.they came with my ex wife name on them..i called freedom mortgage the same day to explain the papers were wrong..i was told they would redo them... i called every other week for months to see where they were..and then..early XXXX.im told they need the deed... i called my lawyer and he sent the deed to me and freedom mortgage..i also sent them... i called twice a month or more to get a update... then im told by freedom mortgage several times its not the right deed ... so in XXXX me and my lawyer have a 3way call with freedom mortgage... they finally agree the deed was correct..since then still nothing..they also tagged my credit as 180 days late ... my understanding is thats illegal to do that when im in forebarance or loss mitagation which i still am..i also recieved no less than 4 foreclosure notices on my house..freedom mortgage has told me not to worry about them..they even told me that on the 3way call with my lawyer..i feel that my rights have been violated and want this corrected immediatly..i still donot have my forebarance papers 10 months later..

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

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 non-monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Section 15 USC 1681 Section 602 which states I have the 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 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit card 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: AR
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my credit file, incorrect informations was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Inaccurate Name : XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX Late Closed : XXXX XXXX Balance : {$0.00} ; Charge off : XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ; Inquiries Included In Dispute : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased an item from a company that went out of business and did not recieve my item. I completed payments on my XXXX loan on XX/XX/XXXX. 

XXXX first claimed they couldn't help me because I was outside of the 60 day resolution window and I would have to contact the merchant. The merchant is closed. They reopened the case. I provided proof of purchase and proof of business closure. 

I disputed the XXXX payments with my bank, who ruled in my favor since the company had closed, I didn't get my item, and XXXX was non-responsive. I was credited that money back. 

I am now receiving repeated contact from XXXX falsely stating that my loan has fallen into delinquency and will be reported to the credit bureaus as unpaid while my case is still under investigation. I was previously advised by XXXX to NOT make any payments while my case was being investigated. 

I have filed a dispute with Experian because Affirm is reporting a non-payment, even though I did not receive the item I financed. 

I called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and informed them that if they kept emailing, texting, and calling to collect while my case was in dispute and under investigation that I would report them to CFPB for false reports and continued harassment. They are continuing to contact me. I have emails and texts dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2021-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened up a membership with Costco. During the process, the staff member asked if I would like to apply for a Costco credit card. I know my score is at least XXXX so I figured I would get approved. I submitted it and it came back that they needed to verify information and to call a specific phone number. I called the number and they wanted me to verify my telephone number. I did and it denied me based on my phone number I guess. She said I would receive a letter explaining why it denied me. I get this generic letter with zero information on it except that they were unable to verify information. It doesn't give me the option to provide them with any additional information and it doesn't give me any specific information on the denial but it put a hard inquiry on my credit report. I should have been afforded the opportunity to provide documentation and they should re-review my application instead of casually denying my request with zero explanation and zero opportunity to submit the required documents.

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 2022-04-22
Company: Personal Finance Center
State: GU
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint because I have requested many times for assistance from PFC in regards to paying my mortgage payment and the arrears debt to which PFC ( Personal Finance Center ) has not and continues to not offer any assistance at all. I approached PFC in 2018 after not paying the full amount of my mortgage payment twice which I explained to PFC that my financial situation has changed due to me being a government of XXXX retiree and I asked PFC if there is some way that they can help me due to the change in my financial situation ( I.E. adjustment to my mortgage or a payment plan to pay back the arrears debt etc. ) To which I was told there's nothing we can do for you and that you have to pay the monthly payment and the arrears debt at the same time Otherwise we will foreclose on your home to which I submitted a letter of hardship as proof that I am dealing with a difficult financial situation and I requested assistance in regards to paying my mortgage and the arrears debt yet again to which they responded they will give me a 5 month deferment and I was told that if the arrears is not paid after the five months they will foreclose on my home I have been struggling for years to pay both the mortgage and the arrears which even till now I have not received any assistance aside from the five month deferment and PFC continously tries to foreclose on my home and continues to act in bad faith i recently applied for a government mortgage assistance program called HAFP ( Homeowners Assistance Fund Program ) to which I was approved for and they were going to pay {$15000.00} to PFC to pay for the mortgage debt which PFC stated ( XX/XX/XXXX ) that they will accept the money but on XX/XX/XXXX I received a letter from their lawyer ( see attached letter ) stating that they have suspended and not applied the {$15000.00} that was given to them through the HAFP program towards my arrears debt and I was instead demanded to pay {$22000.00} in order to stop the foreclosure of my home PFC continues to offer no help or resolution till this day in regards to paying my mortgage and the arrears debt and they constantly try to foreclose on my home it seems like they are purposely trying to keep me in debt so that they can justify foreclosing on my home.

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 2023-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation. 

I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. 

If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Diversified Adjustment to dispute the debt. On their notice is explicit writing that says call or write us to dispute the debt. Their customer service rep said I could only do this by visiting their website but it clearly states that I can do this by calling them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct XXXX XXXX XXXX would not be attempting to suppress this information. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, an unauthorized debit was made on my bank account, in the amount of {$7300.00}. The unauthorized debit was for " XXXX XXXX XXXX '', a company with a Kentucky phone number. The following day, XX/XX/XXXX, a second unauthorized debit was made on my account, in the amount of {$1400.00}. This unauthorized debit was for a purchase to " XXXX  '', a company with a New York phone number. Previously the Bank of America would notify me of suspicious activity in my account. I have such a notification from Bank of America for a debit to my account on XX/XX/XXXX, proving that alerts were in fact in place. However, for the XX/XX/XXXX and XX/XX/XXXX purchases, no notifications and no alerts were made. Bank of America paid both of those claims without my knowledge. I discovered the first unauthorized debit when I logged into my account on XX/XX/XXXX, and I immediately called the Bank of America Fraud Dept. to say that I had not placed the charge ; my phone call was made at XXXX XXXX. The following day I saw the second unauthorized debit and again called the Bank of America Fraud Dept. ; I called at XXXX XXXX  to report that I had not authorized that charge either. On XX/XX/XXXX, when the charges remained on my account, I visited my branch of Bank of America and sat down with one of the officers to resolve the matter. I am still waiting for results.

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 2021-09-07
Company: EQUIFAX, INC.
State: TX
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:
On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX- I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from XXXX and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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 is 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