BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Freedom Mortgage Company
State: TX
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:
I contacted a Freedom Mortgage credit reporting on five separate occasions regarding my request to withdraw a 30 day late for my XXXX mortgage payment. The first two times, by phone in early XXXX and then again on XX/XX/XXXX via the web portal messaging system, they did not respond. The XXXX, XXXX and XXXX time they responded. I contacted them by letter on XX/XX/XXXX, early XXXX and XX/XX/XXXX, but each time they denied my request. Freedom Mortgage credit reporting policy is that Payments received after the month in which they are due will be reported to the credit bureau accordingly. This policy ignores the month of XXXX where there are only 28 days and a payment received in the XXXX days of XXXX where XXXX full days have not elapsed should not be reported as 30 days late. To provide clarity and precision on the timeline, let me illustrate, the payment due on XX/XX/2023, at XXXX AM, should not be considered late until a full 30 days have elapsed, or on the start of the XXXX day, after XXXX hours have passed from the due hour. The payment was logged as received on XXXX PM on XX/XX/2023, when only XXXX hours had passed, falling short of the threshold for being 30 days late. 

Given the serious nature of credit reporting, every action should be taken for the utmost accuracy. I have tried to resolve this matter with Freedom Mortgage but need help. Their credit reporting practices for the month of XXXX are unfair.

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 2022-02-03
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Iq Data contacted me on XX/XX/XXXX around XXXX about collecting a payment from an apartment complex for an outstanding balance that doesn't even have 10 days of being posted and in which I had questions about and never received answers from the leasing office despite the multiple attempts to talk to them just for an explanation. The agent from Iq Data asked me to pay for this debt in full on that first call, and expected me to give her my sensitive payment information when I wasn't aware of a due date and I was never informed by the apartment complex or the agency that this debt was transferred over to Iq Data for collection. This agent at Iq Data threaten me that if I didn't pay this debt in full the same day I was going to incurred interests, and that it was going to get reported on my credit and that it was going to affect me from refinancing and doing anything with my credit. I was very confused and scared about this call and so I hang up.

I called the apartment complex later that same day to verify and they provided me the agency name and contact information so I called a second time in the day asking for what legal procedures they took to notify me about this debt since I never received a statement with a due date on it nor any notification that this account was getting transfer over to collections. She told me that the apartment complex and the agency " mailed it out '' to my new address which I am sure it is not true. I never received anything in the mail. and she told me it was not their problem and that they didn't have to send anything by law. Since I was asking for more information, she got upset that I was challenging her with my consumer rights on this, and how I thought this was illegal. She started raising her voice and not letting me explain anything back to her so she hangs up on me.

I finally called them a second time and submitted payment because I do not want anything reported on my credit. However, I certainly feel this is not the proper procedure and treatment for anyone. I also feel they have follow proper written communications guidelines with due dates and consequences explained to protect consumers of unfair and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
Consider this as a follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
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:
I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This account was open fraudulently.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Experian Information Solutions 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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

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 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX opened an Operating Account at BOA On XX/XX/2023, XXXX XXXX XXXX, XXXX opened an Operating Account. 
We were then in talks with XXXX XXXX at BOA Private since XXXX in regards to opening a Private Bank Account and XXXX XXXX trade account. 
On XX/XX/2023, we had a call with XXXX from the XXXX XXXX XXXX  team and discussed opens for different accounts. XXXX made an assumption pertaining to our investment strategy that we were trading other peoples money, when if fact we are not and had our accounts frozen and shut down on XX/XX/2023. BOA is now holding XXXX $ XXXX of capital and has caused issues with another $ XXXX that was being wired into our account from services sold.

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 2022-01-27
Company: Experian Information Solutions 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:
I have been going back and forth with Experian for 90 day 's about a few account 's that should not be on my consumer report. Ive expressed my concerns with Experian and made them aware that they are in violation of the FCRA pursuant to 15 USC 1681c-2 ( A ) Experian refuses to delete information that was reported as identity theft. The law says, in case of identity theft a consumer must provide 1. Ftc identity theft report 2. identification ( my Id ) 3.Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume responsibility. 

The Facts I sent over all 3 appropriate document 's to Experian I mailed the documents certified on XX/XX/2022 they recieved the document 's on XX/XX/2022 XXXX XXXX, pursuant to 15 u.s code 1681c-2 Block of information resulting from identity theft the blocking of such information should be blocked not later than 4 business day 's I will submit proof showing it's been way over that time frame. Experian 's actions has caused me actual damages of mental anguish and economic loss for being willfully non compliant pursuant to the FCRA. The supreme court has held that in order for a violation of the FCRA to be willful. It must have been committed knowingly and recklessly. I have been reporting this to Experian for the past 90 day 's way past the 4 business day time Frame.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

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 2021-12-21
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2019-09-26
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX  ; Experian and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, EQUIFAX, AND XXXX ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Coastline Financial Resources, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The following Company " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' has contacted my employer stating that they are going to serve me legal papers for a past debit from XXXX-XXXX. The are acting on behalf of XXXX XXXX XXXX ( XXXX ). 

When I XXXX the phone number XXXX and XXXX it reflects as scam. And we I XXXX XXXX XXXX XXXX   ( XXXX  ) its reported as scam as well. 

I dont know where to pay them or not as they are threatening my employer, never contacted me directly or sent any information by mail. 

I received only a settlement letter from them via email. 

Company Information : " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH XXXX PH XXXX PH XXXX Settlement Sent on XX/XX/XXXX Amount : {$800.00}

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 explanation
Consumer complaint received 2022-02-03
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a US Bank credit card account, I moved my office in approx XX/XX/XXXX, I attempted to change my mailing address multiple times online at US Bank but was unable to. I do get mailed statements so I made calendar notes to remind me to pay my US Bank invoice monthly. I did that each and every month on time payments. So I communicated with US Bank each month online and paid my monthly invoice. 

I sign on at the end of XX/XX/XXXX and see I have {$0.00} credit line available where it should be approx XXXX XXXX. I call customer service and they advise me US Bank has had 2 pieces of mail get returned to them so they closed my credit card account. I was not understanding how a client that used the credit card and made on time payments get his account closed because of returned mail. He advises me to send a dispute letter to a certain department. I send the letter and they respond the account has been closed for more than XXXX  days so they can not reopen the account. 

I call customer service again and they state the same, and tell me to send a second dispute letter which I did I also advise US Bank at that time they issued me a new credit card in XX/XX/XXXX and I have it in my hand. Credit cards don't get forwarded so US Bank clearly knows my address because I have the new credit card and use it for new charges in XX/XX/XXXX and XX/XX/XXXX. So clearly I have my new card mailed from US Bank and I have used it. 

I was not getting my statements because they would not allow me to change my mailing address online, But US Bank did deliver my new credit card to the correct address. 

US Bank 's response to the second dispute letter is the same they state because they have returned mail on my statements they have closed my account. 

I was advised today that my account was closed sometime in XX/XX/XXXX it has been a very short time they know who I am they know where I am this makes no sense to close my account over returned mail. 

My request is that my account is reopened and my credit line is reinstated. I continued to be an active client with US Bank using my credit card and paying on time each and every month. 

I will attached the related documentation.

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