BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I contacted Freedom Mortgage in XXXX requesting to recast my mortgage due to principle reduction. In the last 2+ years, I have paid my mortgage aggressively and lowering by more than XXXX since mortgage initiated. 

I called in XXXX and was told I qualified for the recasting. I filled out the forms requested and sent Freedom Mortgage a {$250.00} processing fee. I followed up with Freedom Mortgage beginning of XXXX to confirm they received my request and when the new payment would be effective. The 2nd representative confirmed the receipt of the request and my new payment should take into effect in XX/XX/XXXX. 

Yesterday, XX/XX/XXXX, I received a letter rejecting my request stating that I didn't may the required lump-sum payment and must be at 10 % of current balance. I was not told this requirement both the times I called. 

I followed-up with Freedom on XX/XX/XXXX, and the representative confirm the letter is correct and I can not recast. They representative mentioned they don't really have a " recasting department '' so they dont know who to reach out to inquire more about this.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/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 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 of 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 explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: VA
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:
I contacted XXXX to remove these hard inquires from my credit file and XXXX refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to XXXX as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : 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 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 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: Credit Bureau Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had been paying on XXXX Hospital bill ( account # XXXX ) in the amount of {$1300.00} for Date of Service XX/XX/XXXX, religiously, every single month to XXXX XXXX XXXX ( XXXX ) in XXXX, Indiana. Then one day, my husband went in to pay the bill, and he was told by a XXXX representative that " nothing else was owed on the bill. '' The money ( {$50.00} ) was immediately given back to my husband, and we heard nothing else regarding this bill until XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from CBCS Collection Agency ( phone XXXX ) regarding this bill. However, I NEVER once received any documentation whatsoever from CBCS regarding this account, even though I asked several times for written confirmation that this debt was owed, or what the new amount was. Around XX/XX/XXXX, I started receiving calls from XXXX XXXX XXXX, stating that I owed the exact same amount on the exact same account to their law firm on behalf of the same hospital. Once again, I NEVER once received any documentation whatsoever from XXXX XXXX XXXX regarding this account. *According to the Fair Debt Collection Practices Act, I should have received some sort of documentation within 5 days from both of these collection agencies, but I DID NOT! Now, I am getting multiple calls from both agencies at the same time! Therefore, I vehemently DISPUTE THE VALIDITY OF THIS DEBT!! and I intend to stand up for my rights. Two companies can not legally pursue the same debt at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried a number of times to rectify the issue of having accounts listed on my credit report that are affecting me negatively. I have listed the accounts that needed to be removed from my Transunion file and now another one is being reported without a proper investigation of whether or not the account belonged to me. This has now affected my credit score and has caused me to not be able to exercise my right to have credit extended to me due to information being reported on me that is fraudulent and damaging to my credit worthiness. I am requesting that Transunion verifies and validates that I am LEGALLY responsible and obligated to pay these debts. Failure to provide an appropriate lawful response will result in further action. Failure to respond in 7 calendar days will be considered as admission that these accounts are not valid. Just putting that an account has " been verified '' is not a valid nor legal response. Please remove and permanently suppress the following accounts from my credit report immediately and without fail in 7 calendars days : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CO
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, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the accounts in question. XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
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:
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 accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have Violated my Rights 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS 15 US Code 1605 " Definition of a FINANCE CHARGE '' Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment 540 and installments 15 US Code 1635 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company continues to report inaccurate information regarding the actual amount owed. I spoke with XXXX XXXX on XX/XX/XXXX  and was told by representative, XXXX, that I had the option to pay them ( XXXX ) directly versus paying the debt collection agency ( Eastern Account Systems ). XXXX informed me that by doing this, Eastern Account Systems would report the updated balance and eventually have nothing to report, thus removing this information from my credit report. 
Eastern Account Systems continues to report inaccurate balances. They refuse to send me copies of the contracts and information to validate this debt. Representatives have been incredibly rude to speak with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XX/XX/XXXX I decided to put a freeze on my credit; there was no particular reason, it was just a precaution. I did it online, without any problem, with two of the main credit bureaus, XXXX and XXXX. When I tried to do it with Equifax I was unable to do it online, and called them. A representative told my I had to send documents to verify my identity and a letter requesting the credit freeze ; I mailed them on XX/XX/XXXX. 

On XX/XX/XXXX I was still unable to check the status of my credit freeze online, so I called Equifax again. A representative told me they could not freeze my credit because I did not have a credit history. I said that sounded very strange, because the other two credit bureaus did do it, and I had never heard that people with no credit history could not freeze their credit ; in the end I requested to speak to a supervisor. I was transferred to a supervisor at the Fraud Department, XXXX, ID : XXXX ; he confirmed Equifax had received the documents I had mailed, and said that YES, the company COULD freeze my credit. He told me I would receive a letter confirming the credit freeze within 5 business days. 

I did not receive the letter. On XX/XX/XXXX I called Equifax again, and this time a representative told me they can not freeze my credit because I do not have a credit history. I explained to her what a supervisor at the Fraud Department, XXXX, ID : XXXX, had said, and she said the information he provided was wrong. 

I should explain my concern. True, I do not have a credit history nor plan to apply for credit at the moment, but someone can still open an account on my name, with negative consequences for me in the future. So, would you please let me know whether it is true Equifax can refuse to freeze my credit because I do not have a credit history? If it is not true, then what do I need to do to get them to freeze my credit? 

Thank you for your time and attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), a fundamental legislative framework established to protect the rights of American consumers with regard to credit reporting, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : CITICARDS CBNA Account Number : 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 I have identified discrepancies and concerns related to the status of this account. Specifically, the reported " Not more than two payments past due '' status and associated late payments inaccurately represent my understanding of the account 's payment history. Furthermore, the reported balance and past due amount appear inconsistent with my knowledge of the account 's financial activity. 

I wish to emphasize the significance of the FCRA, particularly the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions.

15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the disparities noted in the account reporting, I formally request a thorough investigation into this matter. I expect XXXX to diligently address the discrepancies, rectify the inaccuracies, and ensure the reporting aligns with the principles stipulated in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any parties involved, including debt collectors.

Your swift attention to and resolution of this dispute are greatly valued. I anticipate your dedicated efforts in addressing this matter and upholding accurate and equitable credit reporting. Thank you for your cooperation and commitment to the fundamental tenets of the FCRA.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: NV
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. Account # 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 an account without my written instructions.

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 2023-05-13
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: Account status incorrect

Complaint:
Ive contacted transunion numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXnquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX  * DateXXXX  XXXX, XXXX * CompanyXXXX 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 DaXXXX 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 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 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 non-monetary relief