BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe that Freedom Mortgage Company has retaliated against me when I pushed back and demanded to speak to a supervisor to better understand why they kept needing additional documentation in order to assume my existing mortgage after my divorce. 

My loan assumption application began on XX/XX/XXXX XXXX when they sent me a package by overnight mail to fill in within 10 days. After months of waiting then starting and stopping, my application went from conditional approval status on XX/XX/XXXX at XXXX to denied by at XXXXXXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX was a federal holiday when I received an email requesting additional documentation with no explanation for why more was needed after I had provided numerous sets of documents all within 1-2 days after request. Despite numerous requests, Freedom never justified their demands for an explanation how I planned pay out my ex-husbands share of the equity. Freedom Mortgage personnel failed over and over to answer my questions and repeatedly acted like I was living beyond my means, despite a credit score of XXXX and more than adequate income to pay my bills. I requested to speak to the people processing the loan for an explanation, then I requested and later demanded to speak to a supervisor with no success. I was on hold and tried to speak to supervisory personnel for over an hour on 2 separate days. I work from XXXX XXXXXXXX XXXX, because they would not speak to me outside of business hours I have had to take days and partial days off to deal with this matter. I firmly believe that Freedom Mortgage would not treat a man in the manner that they have treated me, asking for documentation receiving it with valid justification from me and requesting more and more documentation. Finally, retaliating when I pushed back requesting to speak to a supervisor and refusing to provide personal financial information through unencrypted email. I have since learned that most financial institution have a portal or will use an encrypted email to exchange sensitive documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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. 

XXXX Account XXXX # XXXX, XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
I have already sent several letters to the creditor asking them to remove the fraudulent information, and I also asked the credit bureaus ( Experian, XXXX, XXXX, XXXX XXXX ) to remove the information as well, but all have declined to do so. 
My consumer rights are being violated under, 15 U.S. Code & 6802 " obligations with respect to the disclosure of personal information. '' because they never gave me the option to opt out of reporting my personal information to a third party. 


On XXXX/XXXX/XXXX, I reached out to all parties to rectify the issues. 

U S DEPT OF EDXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details XXXX  % paid off Balance {$29000.00} Balance updated XX/XX/XXXX Original balance {$44000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 my 17th 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 Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/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 2023-03-13
Company: EQUIFAX, INC.
State: NJ
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:
Upon reviewing my Equifax credit report, I discovered several errors, including an incorrect name, addresses that do not belong to me, and an unknown credit line from XXXX XXXX XXXXXXXX. I contacted XXXX XXXX  XXXX to confirm whether I had an open credit card associated with my account, but I was informed that I did not. Consequently, I filed disputes with Equifax regarding the incorrect name, addresses, and unrecognized credit line on XX/XX/2023. Within a few days, I received confirmation that my name and incorrect addresses had been corrected. However, on XX/XX/2023, I received a decision letter regarding the unrecognized credit line stating that it could not be removed from my account. Although the letter acknowledged the other disputes and indicated that the incorrect information had been removed, it was still addressed to a different name and apartment unit. 

The situation is very concerning as it appears that my personal information may have been sent to another person. Credit matters are a sensitive subject, and such mixups can have serious consequences. On XX/XX/2023, I noticed that my credit score had dropped by XXXX points due to the unknown credit line on my report. When I contacted Equifax to remove the credit line, the customer service agent informed me that they rely on information confirmed by lenders and, therefore, could not remove it. However, I did not find any such issues on my XXXX credit report, suggesting that the lenders did not report incorrect information to Equifax only. 

The agent informed me that the unrecognized name on my report was similar to my name, and it could have been mixed up. However, this is unacceptable, and it is concerning that Equifax does not hold itself accountable for personal information mixups. The agent also stated that they had reached out to XXXX XXXX XXXX, and the latter confirmed that the unknown credit line belonged to me. I explained that if they confirmed the credit line based on information from another person with a similar name on my report, it would not be accurate since it is not me. The agent, however, repeated that there was nothing they could do except file another dispute. They did not offer an appeal option for the previous decision, and although I filed another dispute, no additional corrective action was taken. 

Given the seriousness of the situation, I request Equifax to take immediate corrective action to remove the incorrect information from my credit report, protect my personal information from being sent to other individuals, and prevent any further errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: First Credit Services Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please, that collection is a mistake. I stopped going to the gym a long time ago but the membership was active but I made my payments often, I can't pay that, because I wasn't using the membership. Now that collection is hurting me, you are violating my rights, they always call me at all hours to pay that debt but I can't pay for something I wasn't using the law 15 U.S.C 1681 602 A states l have the right to private

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: LEXISNEXIS
State: OH
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:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. 

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CBC Companies, Inc.
State: OH
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:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BMO stated I need a hold harmless to release my funds, I provided documentation multiple times proving that my funds were legitimate. There is no reason that I am suffering to regain control of my funds in this manner. Im attaching multiple images from XXXX stating that BMO Harris is responsible for reaching out to them from a financial institutional stand point regarding a hold harmless letter. I have reached out to the Federal Bureau multiple times about this situation at this point I feel as though BMO HARRIS is asking for something they know I wont be able to receive, just to confiscate my money. I am a business owner this has impacted my business in multiple ways, I am now homeless due to the incompetence of this situation and lack of asking for more documentation. There is no reason my money should be going to uncollected claims when I showed proof of the check from XXXXXXXX XXXX and I also attached a letter of XXXX XXXX stating BMO HARRIS would have to ask for a hold harmless letter from XXXX XXXX and not me as a individual.

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 2023-04-11
Company: EQUIFAX, INC.
State: TN
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 company equifax has continued to violate federal law 15 USC 1681 information on overdue child support. This company has reported inaccurately that the XXXX XXXX XXXX XXXX has over 35 missed payments. This reporting is in error and a violation of federal law this erroneous account stating late payments is in litagation and has been ruled in the client favor but equifax continues to re insert this information that was not court ordered or were they given consent which is another violation of 15 USC 1681 ( B ) permissible purpose and also violates the federal rule of estoppel. Equifax must remove the XXXX XXXX XXXX XXXX ( child support ) immediately or face a civil suit in chancery court and damages for the consumer not being able to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Starting on or about XXXX the XXXX of 2022. I disputed unauthorized transactions, the represenative handling the claim at the time asked a lot of interrogating like questions. Which I answered with no problem. 14 Days later I was refunded for two of the disputes. One is the amount of {$55.00} and the other is the amount of {$50.00}. These two were temporary and were taken away from me shortly after causing the account to go negative. Ive rebutted the final determination of the dispute be since they were denied. It has now been almost 6 months and I keep getting reassured that Chime financial is going to investigate this for me. There isn't any claim that should take 6 months to investigate.I have experience in banking and from my banking knowledge Chime financial is acting poorly on this matter. Please help me escalate this issue to get resolution.

Company response to consumer: Closed with explanation