BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
What happened : XX/XX/19 - setting up an online account with Social Security Admin - blocked & was told that it was due to a freeze on my Equiffax credit account. Was advised to wait 24 hours, contact Equifax to lift the freeze before trying, again to set up the Social Security account.

XX/XX/19 - contacted Equifax about temporarily lifting the freeze on my account. Provided my name, address, phone number and Social Security number. I was then informed that they could not access my account because " some information was missing ''. Was advised to wait 7 to 10 days after mailing the following, additional information : a : copies of drivers license and social security card b : cover letter detailing my request, e.g. account verification, online access to self management of credit freezes.

My Complaint ( s ). 1. ) I am disappointed that the Social Security Administration requires access to Equifax in order to set up online accounts. Considering the Equifax data breach, I would have expected a better solution would have been used. I also find it frustrating that there is no indication of this requirement in a prominent place on the SSAdmin web pages related to setting up new accounts. 2, ) I have been extremely disappointed with all my previous dealings with Equifax. After the data breach I thought they might be forced to clean things up a bit. Having now experienced their convoluted verification process first hand, I see nothing much has changed with how they impede consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I each tried several times to request a temporary unfreeze of our credit reporting from Experian. We each attempted several times online and several times on the automated phone system. Each time we received the message : " We were unable to honor your request to temporarily remove your security freeze based on the information you entered.

Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information [ deleted for this complaint ] '' All information was double checked and accurately entered, but we were not successful. 

Finally, searching the internet, I found similar complaints and, in one posting, a Experian sales phone number. Through that number, I reached a human who with no more information than I had entered, quickly implemented the unfreeze. 

By placing high barriers to the no fee freeze/unfreeze service, the company appears to be driving clients ( especially those with immediate need to unfreeze ) to their CreditLock product which the describe as : " You can unlock your Experian credit report to temporarily allow access to : Lenders and financial institutions who want to view your report as part of processing your legitimate credit application with them. 
Any company, such as an insurer or employer, who requests access for a verifiable reason, such as opening a new utility account in your name. 
It's on-demand security that can come and goinstantlyto help protect your information from prying eyes and cruel intentions. '' This forcing the use of a paid product clearly violates the intent of law and regulation.

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 2023-11-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It is their policies and actions taken that brought me to issue this complaint. The intended response is to get them to change their policies to honor my attempts to purchase any item I choose without the fear of losing the very thing I purchase. The latest example was a class that I've been attending for several months has had my monthly payment denied because of the bank 's policies. I've lost chances to gain a good deal on products costing me several times more as a result. The bank 's response is that their system automatically denies the payment so it's out of their hands. I say that a computer can not perform an action without the programming telling it to do so. Please help me to get them to change their policies.

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 2019-12-18
Company: Experian Information Solutions 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 information incorrect

Complaint:
Under the FCRA ( fair credit reporting act ) Experian is required to have a copy of the original creditors documentation to verify that the information they report is mine and correct. I have sent three letters requesting the items that appear on my credit report and that are listed below, be properly verified or deleted. They received the first letter XX/XX/XXXX, the second letter XX/XX/XXXX, and the third letter XX/XX/XXXX. In all their responses they have refused to provide a copy of the original creditors documentation with my signature as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), furthermore ; they failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and merely listed the accounts in dispute as verified and kept these unverified accounts on my report. I have been unable to rent an apartment, apply for home loans or finance a car because of these unverified accounts negatively impacting my credit score. I have been severely hindered and blocked from making progress in my business and financial goals due to the impact of this report. I demand that Experian delete all of the following unverified accounts immediately. 

REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX UNIVERSITY OF 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 2019-12-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a short sale contract we presented Shellpoint mortgage company during which time they transferred our loan to XXXX XXXX without our knowledge until a week before our foreclosure date. Shellpoint sent our home to foreclosure and XXXX XXXX would not help us remedy the situation even with a short sale contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/XXXX, i spoke to XXXX XXXX at Central Portfolio Control XXXX about the judgement lien against the property. 
We have agreed that the debt will be settle for {$4700.00}. Escrow called on XX/XX/XXXX to pay off demand, XXXX gave a pay off of {$5200.00} and must pay this before XX/XX/2019 Cental Protfolio Control is increasing {$520.00} interest rate in 15 days for a balance of {$5500.00}, is this legal? 

my contact info is XXXX, phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Because i was trying to pay  XXXX  a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is  XXXX  a month and they told me i had to pay  XXXX  are my interate will keep going up which i dont have  XXXX  a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX and Transunion have failed to show any substantial increase in my credit score although XXXX has corrected the defective reporting on their part to all three credit bureaus. 

We understand from correspondence with XXXX and from other resources that payment history counts for approximately 35 % of the composition of a credit score. There has been no improvement evident on the score subsequent to Truists updated information. 

Here is the situation. In 2021, XXXX granted me COVID relief for my car loan that extended from the end of XX/XX/2021 through XX/XX/2021, when I again began making payments. XXXX XXXX NOT keep accurate records and erroneously reported me late during the time of COVID relief. When I resumed payment, they applied those payments backwards to the time of initial COVID relief starting in XX/XX/2021 instead of applying the payments from XX/XX/2021 onward. They incorrectly reported me late for slightly over 12 months. This caused me reduced credit lines which raises the usage % of my available credit. After over a year of effort, XXXX corrected their reporting to XXXX, XXXX and Transunion and I no longer have any late payments reported from them. 

Since the incorrectly reported late payments were not a result of actions on my part, that correction of XXXX error should have raised my credit score substantially but it has not. 

This situation is now an error on XXXX, XXXX and Transunions part. Correspondence with XXXX has not resulted in action on their part and despite repeated requests for the name and contact information for someone with the authority to implement the appropriate corrections to XXXX records, this has not been provided. XXXX and Transunions site does not provide and option to address the issue since the problem is not one of the options listed. 

The errors resulting from this situation have caused me serious professional and personal damage. 

Once the score is appropriately raised, I will be able to reapply for the lines of credit and other terms that this error has caused me to lose and then raise the level of credit available and reduce the amount of % used. 

This experience with the disinterest of financial institutions like XXXX, XXXX and Transunion in assuring that they have accurate records is disheartening. I hope you will be able to help me rectify this situation.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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

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 2021-12-14
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: Account status incorrect

Complaint:
On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a XXXX process. The account is showing now XXXX  times past due which is incorrect and as a result of this incorrect information I was denied a XXXX loan applied for this year. This information was added after my closing because there would have been no way to close on my XXXX which this deliquent information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
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: Old information reappears or never goes away

Complaint:
Transunion had a computer glitch in which several of my inquiries were deleted, then placed back on my credit report - I did not receive any notices 5 days prior to them re-adding the inquiries to my report - I contacted Transunion on  XX/XX/XXXX   in good faith to ask them to delete the inquiries that they illegally placed back on my report - I am in the process of trying to purchase a home for myself and my children and this mishap has caused a major hardship with this process. It is causing major questions about my credit report, why all of a sudden do I have so many new inquiries showing, etc etc etc, I have had to put off trying to purchase for 30 days, which, as I 'm sure you well know, means the home that we want will be sold to someone else in that timeframe.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2018-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX Received email from BOA act overdrawn, due time a XXXX illegally went into my account without my authority and debited funds for {$150.00} per statement Processing Transaction layer CHECKCARD XX/XX/XXXX XXXX XXXX XXXX XXXX FL activity type debit status type icon pending Processing. Select to mark activity type debit XXXX CHECKCARD XX/XX/XXXX XXXX  XXXX XXXX  XXXX FL as Reconciled XXXX XXXX negative {$77.00}. 
When I contacted BOA was on hold over 20 min then transferred to their fraud dept-spoke with a XXXX XXXX as she said there is nothing they can do until the transaction goes through.I suggested to close and reopen new debit card as this company has access to my debit card from a purchase of med supply for XXXX. NOT fair when this has placed my account in a " negative '' and no funds available to me.nBOA could have stopped the PROCESSING transaction from coming in as they chose not to. How can BOA authorize XXXX to take control of my act and leave me with no funds? BOA did absolutely nothing and aware. After my research this company has a 1 out of 5 rating and illegally taking funds from customers act and apparently an issue. BOA did not make any efforts in trying to resolve and left me without funds due to a unauthorized transaction. NO pmt pattern of such as they allowed me to have no funds available. I also went into the bank as the called a XXXX in the claims dept as he also did absolutely nothing to resolve issue as BOA will sit on this and wait until this transaction go thru and wait until they hear from the company, not fair.

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 2021-12-14
Company: ALLY FINANCIAL INC.
State: MI
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:
My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for ten days without pay. I called Ally Financial to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following Friday which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my earnest money deposit. I called Ally Financial and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.

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 2021-12-14
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: Was not notified of investigation status or results

Complaint:
Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XXXX XXXX, 2021. To date, I haven't received a response to my request.

Company response to consumer: Closed with explanation