BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capitol one account should not be past due or anything I do not owe them anything. They actually owe me A few dollars. They report inaccurate information and then I have to pay for It by my credit score dropping tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX was supposed to remove negative charge offs from XXXX XXXX XXXX  for XXXX dollars and XXXX XXXX around XXXX XXXX and same with XXXX XXXX XXXX and XXXX so notified all 7 companies that since I have XXXX all seven know this this month me and niece lady is going to be trustee as a first party special needs trust under first party and state and federal she can instantly remove negative charge offs so XXXX XXXX failed so they must give back 4 payments each of XXXX each and XXXX to capital one and capital one must give it back to me immediately since they dont want to this unattiontly is causing financial abuse to a XXXX which is now criminal instead of civil so can you point out the laws to all 7 companies and save my trustee headaches so future she can deal with future problems but she has no problem dealing with old problems with me because of XXXX trustee job is a 24 hour job instead a normal day so can these 7 companies help her resolve it so she can have a normal day otherwise they find out the hard way what the law authorized her legally what she can do and the companies will automatically lose and they cant appeal at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On or around XX/XX/XXXX I tried to open an account being promised XXXX dollars with two direct deposits in 70 days. The application was rejected because info didnt match records and was told to contact Capital One. I did on XX/XX/XXXX, was told to apply through the app using code a code. No code input was offered. I called back and wanted the account cancelled because they didnt give me the XXXX offer which the agent did. But then called back a third time and was referred to a supervisor who told me the second first and second agent erred as there was a workaround that the first and second agent should have offered and I was now ineligible for the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: Report provided to employer without your written authorization

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2019-09-11
Company: Credit Plus Inc
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have a hard inquiry on my credit report from Credit Plus on XX/XX/2018. On the credit report there is no contact information provided by the company and I have no record of reaching out to Credit Plus for an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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 express my dissatisfaction with the delayed correction and the need for a second attempt to rectify the late open accounts on my credit report. Despite my initial dispute and submission of supporting documentation, I have observed that the late open account entries are still present, adversely impacting my credit profile. 

I initially disputed these entries and provided detailed documentation supporting my claim that these entries are inaccurate. However, upon reviewing my updated credit report, I was disappointed to find that the corrections have not been made, causing ongoing harm to my credit score and financial standing. 

I have attached copies of my previous dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

I urgently request that you expedite the reevaluation of this matter, conduct a swift and thorough investigation, and promptly correct the late open account entries on my credit report. The prolonged presence of these inaccuracies is causing undue stress and negatively impacting my ability to secure credit and financial opportunities. 

If additional information is required for a comprehensive investigation. I expect a timely and fair resolution to this matter, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$73000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I have a mortgage loan from Freedom Mortgage. I received an unexpected call from Freedom Mortgage XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. He had advised that Freedom Mortgage was the proactively offering me a refinance offer due lower rates with FHA and that it wouldnt cost me anything, and with no closing costs. I told him this all sounds great but it sounds too good to be true. He said they were offering this so I wouldnt refinance anywhere else. That night I went through all of the paperwork and signed the okay. Two-three days later I receive a document requesting that I sign an agreement approve an increased loan amount. I did not sign as it was a redflag to me. After trying to get a hold of XXXX XXXX via email and my credit personal loan phone for a few days, he finally answers from my work number. I address my concern and he tells me that at the time of closing, the numbers will make sense again. The closing documents will reflect what he had told me in the original call. He tells me I dont have to sign this new document. I hang up and decide just to play it by ear. A few days pass again and I get a notification that its time for closing and I receive another document ( estimated closing cost ). Again nothing matches what he says. After several more emails and calls go unanswered, XXXX XXXX calls me back. His name is XXXX XXXX. XXXX acknowledges that he reviewed the calls that I had with XXXX and that he had misinformed me but it was just a simple oversight. I point out that XXXX had multiple opportunities to tell me he was misleading me ( point blank saying it sounded to good to be true/whats the catch?, follow up call asking why the document is now including closing costs ). XXXX informs me that my refinance will have closings costs and asks if I want to continue. I tell him no and that there is no way what XXXX did was a simple oversight. He had many opportunities to try and tell me he made a mistake. 

My concern is that I luckily caught it in time. How many other times has XXXX/Freedom Mortgage done this and gotten away with it? These are just predatory practices. Especially given that if you got a loan in the past year, your rates are real high and most lenders people want to improve it. If I hadnt caught it, I would have got a better rate but when rates really do lower, I would have a hard to refinancing again due to the closing costs at the expense of my equity. How many people have been scammed into this? Please look into this. I am so disgusted with Freedom Mortgage.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXXXXXX XXXX  : {$1700.00} ; XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$40.00} ; XXXX XXXX XXXX : {$96.00} ; XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX : {$10.00} ; XXXX XXXX XXXX XXXX {$75.00} ; XXXX XXXX XXXX : {$21.00} ; XXXX XXXX XXXXXXXX   : {$80.00} ; XXXX XXXX XXXX  : {$210.00} ; XXXX XXXX XXXX XXXX {$31.00} ; XXXX XXXX XXXX XXXX {$310.00} ; XXXX XXXX XXXX XXXX {$28.00} ; XXXX XXXX XXXX XXXX  {$570.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I inquired about wrongful items on my credit report through TransUnion XXXX XXXX on XX/XX/2022. We are well into XXXX and I have yet to get a response from both credit agencies.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately 1. 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 2023-09-16
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I am going through a refinance loan and have had the most horrible incident involving a 3rd party that one of the loan companies hired. 

XXXX, I went to RocketMortgage for the loan and all was ok, they arranged for a local appraiser service to come to my home for appraisal and that seemed to go fine. 

But in my shopping loan terms found someone else that could give me a better rate ( XXXX XXXX  ). So, I had XXXX transfer the information to XXXX XXXX  ( all was fine until ) The appraisal provided, contained multiple errors that needed correcting. 
I attempted to contact the Appraiser from the licensing information on the appraisal submitted. 
The contact email : XXXX keeps returning as undeliverable The phone number provided, when called, goes to generic VM When texting the number, it resulted in some XXXX, XXXX, and just plain XXXX  returned texts In my disbelief of the transmissions, I involved my new loan company to try to obtain what was required from the Assessor. 
My loan officer called the number and when she asked was this the number for the Assessment service, they responded yes. Was this the number for XXXX XXXX XXXX, they responded yes then hung up. 
We called back and it again went to VM with no return call If it werent for the texts I received ( attached ), I wouldnt mind much for the lack of service, but the texts to/from a business whose personnel were in my house, its downright scary. 

I am attaching the text conversation ( please understand this is not my language ), but need to share my concerns and pursue legal action as this has caused me precious time ( loss of a real estate deal ) and now I have let these kind of people in my home? And now am forced to pay $ XXXX to get another appraisal. 

What legal recourse do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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