BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other XXXX address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my 8 time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
These Credit Reporting Companies : XXXX, XXXX, EXPERIAN, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. EXPERIAN XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is 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 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  XXXX is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX, XXXX and exqufax have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage repeatedly contacted us by email, phone and mail for months about refinancing our existing mortgage with them. We finally gave in because we were told it would be a fast, seamless process, since we are existing customers and we could take cash out at closing to consolidate debt. 

XXXX XXXX, a loan officer with Freedom Mortgage, told us it would take 4-6 weeks to close our refinance. We began the process XX/XX/XXXX, and it is now XX/XX/XXXX, with no closure in sight. We have gone weeks on end without being able to contact anyone working on our loan. Our daily emails and calls went unanswered. We submitted confidential information containing our SSNs, wages, checking account information, etc., for it to be ultimately lost and having to start over completely with a new representative. Freedom Mortgage refused to give us a secure place to upload documents but instead suggested we encrypt the emails containing privy info. Anyone knows that when you never encrypt emails, but then suddenly encrypt 1 or 2, it is a giant red flag to hackers. This is not a secure or safe recommendations to customers and puts someones identity in danger. 

We paid {$300.00} for an appraisal that is now moot and lost for good because there won't be a way to continue with the refinance process as they are asking for cash at closing, even though its a cash out refinance where we should be receiving {$17000.00} in cash at closing after paying off a second mortgage. We have an email from a customer service rep promising closure by XX/XX/XXXX. Never one time was cash to close mentioned to us throughout the process of this nightmare. We were under the impression that closing costs would be deducted from the net cash we'd be receiving at closing. 

The lack of response to our emails and phone calls is one thing ( just frustrating and unprofessional ) but to promise a seamless closure in 4-6 weeks, losing very confidential documentation, transferring us to multiple representatives and having to supply confidential documentation again and again, and dragging us, our family and credit, through the mud for months with no communication, no accurate truth in lending statement or explanation thereof, is a complete bait and switch and failure on the part of Freedom Mortgage. Freedom Mortgage is conducting negligent business practices, common-law fraud, unjust enrichment advertising practices, all while subjecting its customers to privacy law violations, putting customer credit and identity profiles at risk.

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 2022-02-23
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payments were on forbearance due to the pandemic which ended in XX/XX/21. At the same time, I sold the property in the same month. I also informed SLS that it was sold and needed a payoff amount that is in agreement with NC Status. 

XXXX. SLS repeatedly did not give a payoff amount to the closing attorney as per NC Status. 
XXXX. SLS also charged me additional charges for the property which I was never in foreclosure. 
XXXX. They declared all my forbearance time as late payments. 

Due to the fact that they would provide me or the closing attorney the payoff amount per NC status I had to pay additional interest charges. They also charged me additional fees for the house which I was never notified. 
I never received any notice that the house was in foreclosure. 

I would like all charges for the hose and interest refunded to me.

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 2023-11-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2023 I received an alert from Experian stating that I had received a new score alert which was a XXXX. It told me that my credit utilization was at XXXX percent. 
On XX/XX/2023 I get another alert from Experian stating that I have received a new alert score and have lost XXXX points. So I login to see what the issue was and my credit profile is exactly the same as XX/XX/2023. There were no changes to the accounts, The credit utilization is still at XXXX percent, there were no new late payments reported or anything.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: IL
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:
The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( 4 ) accounts reporting on Experian, XXXX and 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 2022-02-23
Company: Experian Information Solutions 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 without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am name is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

Chapter XXXX bankruptcy discharged Reference number : XXXX Amount : -

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 2022-02-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Under the fair debt collection practices act pursuant to 15 u.s.c. 1692b the laws were established and written to protect the consumer where debt collectors must abide by the laws accordingly.

Truist Bank has attempted to collect a debt illegally.

The fair debt collection practices act says any person, company or alleged creditor who attempts to collect a debt is a debt collector!

Ignorance of the law is no excuse.

15 USC 1692b ( 2 ) shall not state that such consumer owes any debt ; ( 3 ) shall not communicate with any such person more than once unless requested to do so by such person.

( 5 ) shall not use any language or symbol on any envelopes or in the contents of any communication. 
XXXX 's are illegal and a violation of a consumer 's right to privacy. 
Post cards are illegal as well and the amount on the post card shows a positive balance and not a negative which means only a debt can be shown as a negative balance. 
Each violation {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Wakefield and Associates several times about this account. They refuse to respond to my written notification asking for verification of debt. I have no knowledge of this account and need it removed asap. The original debtor, status, payment and close date are different on all 3 reports. This is in direct violation of the Fair Credit Reporting Act. I am requesting that this debtor be contacted to provide resolution. Below is the information as report on my credit report about this account. 

XXXX XXXX XXXX XXXX  XXXX Opened XXXX Reported Unknown Condition

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received my XXXX Targeted ( {$10000.00} ) and Supplemental Advance Grants ( {$5000.00} ) in my account back in XXXX of XXXX. My account was closed due to Citibank saying that I can not get a loan deposited into a personal account. First and foremost IT WAS NOT A LOAN it was a GRANT that I was approved for through the XXXX. So first order of business was Citibank would not give me any type of information about my account and said that it will take 60 days for them to close my account and the remaining funds will be sent to me via a check. 60 days came and went ( XX/XX/XXXX ). I kept calling and calling and getting the same run around, the customer service reps seem to not have any information about my missing money. So I sent an email to their executive response unit and received an email a few days later asking me to send in a proof that I am eligible to receive the loan. Citibank wanted to me send in a professional license ( because I am a barber ) WHICH I DID. They wanted me to send in proof of my business being established before XXXX WHICH I ALSO DID. They send me a response saying that they still WILL NOT send me my money that I am eligible for and that i rightfully received from the XXXX last year. IT IS NOT THEIR PLACE TO HOLD MY MONEY IN A ( LEDGER ) ACCOUNT AS THEY CLAIM. It is not up to them to screen me on money that I already was approved to have from the XXXX, and it definitely is not their place to hold the money against my will and not tell me anything about whats going on. This has been going on almost 5 months and they still are holding money that is rightfully mine somewhere that I have no idea about. I received an email from Citibank on XX/XX/XXXX, stating that I need to FAX them a written letter to authorize Citibank to return the money back to the XXXX. I have tried to fax the letter all day and it fails everytime I try to fax it. I believe the number I was given to fax IS NOT VALID. After doing everything I was told to do to receive my funds they still have yet to send me my money and its starting to seem intentional and I am so frustrated with them.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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