BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit 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 explanation
Consumer complaint received 2020-10-29
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/18 I applied for a fha mortgage through quicken loans. After uploading paystubs and a2 's and having a phone conversation with a XXXX XXXX i was given a pre approval. I was then asked to write a letter of explanation as to what happened to the house that it's listed in my bankruptcy case. It was explained that the house was foreclosed. At no point did anyone from quicken loans ask when it was foreclosed. After I found a house, signed a contract to purchased the house, paid {$300.00} for a inspection and gave quicken loans {$500.00} to be used for appraisal was i then told two days later on XX/XX/18 that I was denied because my foreclosure was not three years old. I was told no appraisal had been ordered so i would be getting my money refunded. On that same day XX/XX/XXXX a appraisal was done on the property. At this point I am out {$800.00} for a mortgage that I never should have been pre approved for. They knew I was applying for a fha mortgage, they knew I had a foreclosure and they knew the waiting period for a fha mortgage after foreclosure is three years, yet they didn't ask when the foreclosure took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We are applying for a mortgage and need to temporarily lift a credit freeze with Transunion. We tried for 2 days but every avenue was broken. The website did not recognize our information and our account suspended. The recommended email form to fix the suspended account did not work and kept circling back to the beginning - we tried 3 times. The phone robot did not work and there was no option to speak to a human being. This is a company whose processes are completely broken if you need any help at all.

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 2023-05-23
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-29
Company: Experian Information Solutions 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:
I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus XXXX, XXXX, Experian I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.

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 2020-10-29
Company: EQUIFAX, 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:
I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus Equifax, XXXX, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: NC
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've tried several times electronically and through hand written mail to get XXXX XXXX XXXX XXXX removed from my report. I was never in debt to them the case was dismissed in my favor by a California judge, the agency then added debt bogusly to my report after the fact. I submitted the court docs to the credit reporting agencies as proof but they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, US DEPARTMENT OF EDU add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX/XXXX  add a hard inquiry on my credit reports per XXXX  and XXXX. On XX/XX/XXXX, CITIZENS BANK add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
On XX/XX/XXXX XXXX, I called at the customer service of 53 bank to request only 3 months of paper bill for the month of XXXX, XXXX and XXXX of XXXX, she said its only $ XXXX page so I said its only about $ XXXXBut I was shocked I was charged a Photocopy/Research Fee of {$120.00} .. The representative I spoke to on XX/XX/XXXX told me that the previous rep had printed 2 years worth of paper bill but they cant waive it. I spoke to several agents after on the same date XX/XX/XXXX who told me they cant dispute it because its coming from their bank ..I spoke to supervisor named XXXX on the same day as well on XX/XX/XXXX, who wasnt able to resolve the issue..I even call the actual bank manager in downtown XXXX XXXX who told me that he will stick to the decision of the previous rep to just give me {$15.00} when I in fact was charged $ XXXX.this is really frustrating and I want to cancel this account because I dont want to pay when this is obviously a bank error on their part .Poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America claimed 2 payroll checks made out to me by my employer were counterfeit. I have absolutely no idea how or why they came to this conclusion, but somehow they did. They proceeded to close my checking account and reported me to check systems. I want to be absolutely clear about this ... The 2 checks were NOT counterfeit! I have not nor would I ever engage in any activity that would compromise my accounts or myself. This claim by Bank of America is absolutely wrong, and I will seek legal counsel if the issue is not resolved in a satisfactory manner. To make a claim that a customer is presenting counterfeit items is incendiary. Bank of America is claiming indirectly that I 'm a criminal. I have written Bank of America via regular us mail to inform them that this cliam is absolutely faukse and how they came to this conclusion is beyond me. After calling customer service with wait times of over an hour each time, I realized that Bank of America has no interest in the customers concerns and instead jumps to whatever conclusion they wish. Big Banks get away with making claims against consumers with absolutely no evidence to back their decisions. I have also acknowledged that one or more checks were deposited via mobile banking and somehow got mixed up in my other undeposited checks, but the check Clearinghouse has always caught this at the ATM or online banking app and returned the check at that time. Whenever I erroneously attempted to deposit a check that had already been deposited previously, the ATM or mobile app would inform me at that time that the item had already been presented and I would simply dystroy the check at that time. I would feel confident that if I accidentally deposited a check after it had been previously deposited that the check Clearinghouse would inform me at the time of deposit. I believe this to be a safeguard that protects the customer as well as the bank. In the event an item is returned I would be accessed a fee for returned items. Additional one deposit that the ATM erroneously displayed as a {$55000.00} deposit on a check in the amount of {$87.00} was the fault of the ATM. I at no point entered any amount the amount was automatically generated via the ATM. I attempted to cancel the transaction without sucessm. The bank caught and fixed the error and the amount was adjusted to reflect the correct amount. I 'd like to say in closing that I truly hope Bank of America fixed this error. The checks were not counterfeit and I would never present any item that I thought or knew to be counterfeit. Very extreme claims against a customer with little to no recourse.

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 2020-11-20
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a fraudulent Credit card account opened in my name, with a bank called the CITIBANK. The account was opened on the XX/XX/2019. The opening balance of the account was {$3200.00}. I already took some action to have this account closed, by actually having send a credit dispute using my XXXX  account, the account did appear close on my XXXX account, but now it has come to my understanding that, the account dispute was never resolved because a collection letter was sent to me, asking me to make payments on the fraudulent CITIBACK account which was opened in my name.

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 2018-02-28
Company: ALLY FINANCIAL INC.
State: NV
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:
I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!

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 2017-08-09
Company: F & S Financial Marketing, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I noticed on my report a debt for {$510.00} on my credit. I sent XXXX several certified letters to settle or even validate the debt. I contacted the company and e planned that this debt from XX/XX/XXXX is from someone stealing my debit card and fraudulently using - I told the rep I signed an bank affidavit. rep stated unable to validatedbor bring my account information up in the system due to the age.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Sequoia Financial Services
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: Old information reappears or never goes away

Complaint:
I hired an agency to speak with Sequoia financial on my behalf since I have disputed this collection on my credit report with XXXX  and XXXX  at least a dozen times. XXXX  has since deleted the negative mark on my credit but XXXX  still has not. My report shows that this debt is from XXXX when it is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National credit system is reporting inaccurate information on my credit report stating i owe {$5600.00}. I have no knowledge of this debt and never was informed about this debt, i would like validation of this debt with my signature on any type of written agreements stating this debt. If company fails to provide documentation please remove debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: MS
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:
Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CITIZENS FINANCIAL GROUP, 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:
On XX/XX/XXXX, XXXX - XXXX XXXX add a hard inquiriy on my credit report per XXXX.

On XX/XX/XXXX, XXXX - XXXX XXXX add a hard inquiriy on my credit report per XXXX.

On XX/XX/XXXX CITIZENS BANK add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I use commerce bank. On Monday the XXXX of XXXX i deposited a money order for XXXX into my account. They put a 7 day hold on it for a XXXX reason. They still have not released my money for me to use but they have sure started taking part of it. They keep XXXX  my account everyday and changing deposits and transactions around to make my account go negative so they can take more money from me. They are theives and XXXX and someone needs to stop this XXXX before i do. And i do have proof of everything they have done to my account and the money they have stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation