BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage Broker promised a rate and a refi and refuses to close mortgage citing bogus requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MI
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:
To whom may concern I have reached out XXXX Credit Bureau Account # XXXX Amount XXXX many times to have this account removed its Fraud i never open this account it also go against my rights. 


In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRUIST FINANCIAL CORPORATION
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:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my TRIUST account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2020-04-06
Company: EQUIFAX, INC.
State: KS
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 XXXX -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information. 

Equifax and XXXX continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information. 

XXXX has been transparent and is reflecting the correct information. 

Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-01-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Experian for a credit report as well as to dispute an error on my credit report. On XX/XX/2021, I received an email from Experian indicating that their investigation was completed and the disputed information remains. However, to my dismay, they have my social security number associated to a different person. They sent me this person 's credit report which includes addresses, credit history, and also shows that this person is in debt with chapter XXXX as well as back child support. I am deeply upset by this as this person is a man and I am a woman. I live in Illinois this man lives in Alabama and I have never lived in Alabama. This man 's information is associated with my social security number. I have attempted to reach Experian at no avail.

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 2023-04-05
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:
Fraudulent account appearing on credit report. 

XXXX. XXXX XXXX XXXX  {$5600.00}

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 non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. 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 XXXX 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 XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have 3 fraudulent inquiries on my Transunion credit report that do not exist on the other credit reporters like XXXX and XXXX. These include : XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 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 2022-05-24
Company: Experian Information Solutions Inc.
State: SC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE PRIORITY XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kohls keeps calling me threw out the day for a credit card thats not mine nor a debt I owed since Im not one of there patrons

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
About XXXX this year I started receiving SILVER oversize envelopes from Citi Cards AA offering the Platinum Elite credit card. I am already a Citibank credit card holder, so I called to ask if this was an upgrade for the existing card as the offers stated that if I expend XXXX in 90 days I would received XXXX miles with AA. 
The operator was very clear that this was a new card and credit line and I was already eligible to receive miles again as I had closed the previous Platinum Credit Card account with Citibank in XXXX. 
Today when I called to ask when I will see my miles reflected on my account the operator was fast and short saying : you enrolled days before the 48 months period necessary for a new bonus account and for that reason you will not received your points. When I told him that I was not going after a new credit card and the only reason I agree with the new account was because they offered this bonus by mail and confirmed by phone. For my surprise the attendant asked me to show proof of the marketing envelope that was sent to my address in XXXX XXXX. I told him that I don't keep junk mail and the reason I was checking on the points was because I did called to finalize the offer application on the phone. He said that he can't do anything if I can send him back the invitation that I received with their phone number and offer code. As a consolation he would be able to offer me XXXX miles. I see this is a very big SCAM to open lines of credit for former clients that they know will use and pay their bills. I see how wrong this is to offer me to open a new line of credit days before the waiting period is over so they would not have to issue the bonus to the client.

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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire of {$30000.00} on XXXX the account that the money was wired to supposedly full and could not receive any more funds so the account holder at XXXX XXXX XXXX  told me to contact my bank and do a wire transfer. I did so. My bank Capital One tells me that I need to contact the recipient and have them release the funds. The account holder at XXXX XXXX XXXX  already told me the released the funds, so no idea what is causing the delay of me receiving my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record XXXX XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 XXXX, XXXX, and Equifax has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXX of XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: GA
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 recently ( XX/XX/XXXX ) submitted a dispute to Equifax about an account reporting inaccurately. Equifax responded to the dispute on XX/XX/XXXX, stating the information was verified with the original creditor, and referred me to the original creditor. 

I reached out to the original creditor, XXXX XXXX XXXX XXXX After speaking with the creditor, I was informed they were reporting the correct information that the first date of deliquency is XX/XX/XXXX. I explained to them that Equifax is reporting the first date of delinquency as XX/XX/XXXX. The agent also stated they have not made any updates to the reporting since XX/XX/XXXX when I settled and paid the account off. She stated they would do an internal investigation, then respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We've had a loan with this Mortgage company for a number of years. They have setup the homeowner 's insurance and rolled it into our payments. Due to research and consulting with other providers they are grossly overcharging us annually as well as monthly on homeowner 's insurance. We are paying {$5300.00} annually resulting in an additional amount monthly of $ XXXX/month. We've reached out to the lender and regarding refinancing to get our payments down and have only reduced the total amount by $ XXXX/month. This amount is unacceptable due to the balance owed on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Pendleton Capital Management
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX XXXX, agent XXXX of Pendleton Capital made contact with consumer. XXXX did not notify consumer that the communication was an attempt to collect a debt. XXXX did not disclose to the consumer, his rights under the law to dispute debt and/or his right to validate the debt. XXXX did make a false and misleading statement, specifically that there was a 'pending judgment ' for an outstanding debt - verifiably false. XXXX could not name the plaintiff and/or which court/state the action was taken. Pendleton Capital did not and has never provide written notification to the consumer of the existence of the alleged debt. Phone call 1 was an incoming call from agent XXXX. Phone call 2 was an outgoing call to agent XXXX by consumer in an attempt to gain disclosure. Agent XXXX verified there was no judgment pending against consumer, verifying agent XXXX did in fact make false and misleading statement in an attempt to coerce consumer into a payment.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: VA
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 sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation