BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a U.S. bank ReliaCard. The flyer with the card said I was receiving this card because I applied for unemployment. I have not applied for unemployment. I live in Nevada. The card was sent from the Colorado Department of Labor and Employment. Several years back my identity was stolen and it took a long time to straighten it out. I don't want to have to go through that again. The name used on the card is 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 2020-07-07
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/2020 we were scheduled for a refi closing by Freedom Mortgage. This process was initiated by Freedom as is common practice. At the closing, the documents presented did not match the doc 's we had been emailed. Most notable was the loan term, which had been stated at 24 years, 7 months - but was now reflected at 30 years.We immediately reached up to our loan officer XXXX XXXX and he assured us that all would be fixed and they would soon reach out for a new closing date with the proper changes made. Well today is XXXX XXXX and Freedom still has not serviced this loan. 
I have had at least four different conversations with XXXX XXXX Bilingual Customer Advocate and told that underwriting would be in touch to confirm the correction of the doc 's and assign a new closing date.I have have forwarded two customer service email request via Freedom 's website and received no response. On XXXX XXXX I spoke with a XXXX at Customer Service [ XXXX ] and asked to speak to a supervisor. XXXX assured me that I would be contacted within 24 hours - yet here I sit, on XXXX XXXX on hold with Customer Service for over an hour and still nothing.

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 2017-08-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: The CMI Group, 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 received three separate " collection '' letters from the is company with the same account number with three different balances owed all dated the same day. 

They claim they are attempting to collect a debt on behalf of the XXXX but I do not have an account with the XXXX. 

I have toll tag account with XXXX and am charged for all my toll fees through it. I have had the XXXX  account since I registered my car in XX/XX/2018. 

I contacted them to dispute the debt and they told me to contact XXXX to find out why they have bad information. 

It is not my responsibility to figure out why this company is illegally collecting on a debt. 

Sending the three letters on the same day with different amounts is a very clear violation of UDAAP on top of the violation of not validating the debt as required by federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.

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 2020-09-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

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 2020-09-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Contacted the Federal Trade Commission and filed a complaint # XXXX, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize, which are attached in the following attachment.

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 2020-07-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
sent Transunion LLC USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was received by them XXXX when I called them 10 days later, they said they " did not know '' if the information had been scanned. 
Then I got a form from Transunion LLC indicated they needed more information- ALL information needed was included in the package sent to them USPS- the Representative transferred the call, and the wait time was ridiculous ; and the designated dispute representative indicated they couldn't confirm receipt of the information packet that was sent to them Tracking # XXXX XXXX XXXX XXXX XXXX XXXX to try and log onto their " site '' is impossible ... typing in SSN multiple times, and no clear indication of username and password. 
XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX Package Delivered XX/XX/20 XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Package Picked up XX/XX/20

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 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identy theft and the inquires listed below are a result of the identy theft XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from 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 explanation
Consumer complaint received 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Capital One XXXX XXXX XXXX. I filled out forms and submitted 2 invoices to Capital One regarding 2 payments made to XXXX XXXX of XXXX, TX I disputed the charges because they came and misdiagnosed my failing refrigerator on XX/XX/2021. When the parts I paid for in advance {$200.00} came in, XXXX XXXX sent same repairman to my install and fix leaking water and warming refrigerator. I paid {$200.00} upon installation of parts and completion of repair on Friday afternoon, XX/XX/2021. But by late evening the refrigerator was still warm and not cooling. XXXX XXXX doesnt work on the weekend, so same repairman came on Monday XX/XX/2021. He recommended 2nd repair of a new Control Board for {$440.00}. I refused. Since then, Capital One has decided that I must pay {$400.00} for the failed repair. The Supervisor of dispute department said on a recorded line that a 2nd opinion of the necessary repairs was needed to complete their information request and furthermore stated these are the MasterCard, Visa guidelines. After 12 days without a working refrigerator, I bought one at XXXX on XX/XX/2021. I did not know I needed to keep my old refrigerator for a possible second repair opinion. NO WHERE in my documents from Capital One is there any mention of repair disputes or need of 2nd opinion. I feel Capital One is siding with merchant and not helping me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PLAZA HOME MORTGAGE, INC.
State: NC
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've been trying to dispute an error on all three of my credit bureau reports. All three show a 30 day late payment on XX/XX/XXXX. I've complained to Plaza Home Mortgage who continued to stated their records are accurate. I complained to the CFPB and on XX/XX/XXXX and prompted another investigation and found that my last payment received was XX/XX/XXXX. 

I have a letter from Plaza Home Mortgage dated XX/XX/XXXX apologizing for the inconvenience and frustration. They stated the the corrections to the credit bureaus were completed as of XX/XX/XXXX and that it may take up to 90 days for credit bureaus to process. It's been well over 90 days and my credit reports still show 30 days late payment. I've disputed with all three credit bureaus and all three have declined to fix it stating their information is accurate. 

I've called and emailed Plaza Home Mortgage multiple times. They've asked for written requests for information which I've done on three separate occasions. Today, I spoke to two different representatives. The first stated they've done all they could do and I need to dispute with the credit bureaus. When I replied that I've done that multiple times, she stated that I need to talk to the head of these credit bureaus. Later, she passed me onto another representative who instructed that I put in another written request. She stated that my account was fixed on XX/XX/XXXX and that it has been reported to the credit bureaus, but that she could not give me a statement stating as such, but suggested I request it in an email. I've done this multiple times already. 

I'm in the process of purchasing a home. I've already been preapproved. I need my credit reports to be stellar to qualify for the best loan. Time is of the essence. I need this fixed before I actually apply for the loan. It's ludicrous to have a incorrect information on my credit report and my husband 's credit report when I have a letter stating we paid on time. Please assist me in this matter and fix this on my credit report and my husband 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiry on my report that I did not allow by CREDCO on XX/XX/2020. 
Thank you

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 2021-06-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I XXXX XXXX, sent a letter on XX/XX/2021 regarding to inaccurate and unknown items on my credit report. I feel like I'm being taken advantage of and being ignored by my disputes. FCRA ( Fair Credit Reporting Act ) Section 611 ( A ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 30 days that gives a reason to immediately remove those items from my credit report ; it has been 30 days so they should be deleted promptly. I have attach certified receipt as a proof that they received my letters. This report is possibly to all credit bureaus and my I.D as a validity of my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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