BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
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: Account information incorrect

Complaint:
Bureaus reporting inaccurate information.

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 2020-07-14
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a streamline refinance the 2nd week of XXXX due to covid I wanted to lower my payment so unemployment would cover my Freedom mortgage Loan Spoke to XXXX XXXX XXXX XXXX on XX/XX/XXXX 2020 Again on XX/XX/XXXX20 He told me to skip XXXX XXXX payments and pay XX/XX/XXXX payment, Didnt notify me of anything Else didnt enforce to pay Id refinance didnt go through during the process, my credit was affected by their negligence and lack of communications. I have all the digital documents they made me sign and refuse to fix the problem. 

XX/XX/XXXX20 it was transferred to XXXX XXXX XXXX XXXX who sent me digital paperwork XX/XX/XXXX2020 XXXX/XXXX20 Another loan person contacted me XXXX XXXX through email only never a phone call advising me to contact XXXX not rectifying the verbiage used by XXXX or letting me know anything really. 

XX/XX/XXXX20 Contacted customer service who was awesome letting me know all supervisors would be notified XXXX no one called me back XXXX spoke with A XXXX, XXXX they placed me in forbearance due to unemployment not paying until late may. 

XX/XX/XXXX20 Ashimi ( in charge of my case ) notified me my credit issues would be fixed in a couple or a few days not months and she would call me back, also said she didnt have a number just her ID which I forgot. 
I explained the entire situation she said it will be fixed. 


Today to this day they have not fixed my credit it actually decreased from XXXX to XXXX due to their error, I have called and Requested them to fix my credit at least, since the refinance was cancelled on my part because of the emotional trauma this has caused me. With everything going on with covid affecting my city immensely and all the anxiety caused by this company I dont understand how they are still in business. Freedom Mortgage is an appalling company and the loan department needs to be investigated from lying to entice a sale to lack of communication and ruining credit on their customers. I told them I work for. Federal company who requires a good credit report and have yet to care.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXXdit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}

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 2021-11-02
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are not struggling to pay our mortgage, per se. Rather, we are ready to start making our Regular monthly payments. I have a USDA LOAN. On XX/XX/XXXX I entered into a forbearance plan. I was told at that time, when the forbearance was over I could resume making regular monthly payments and defer the forbearance amount to the end of my loan. The USDA guidelines for Forbearance under the CARES ACT states the same. I do not have to pay a lump sum at the end of the Forbearance. I called Freedom Mortgage as my Forbearance ends on XX/XX/XXXX. I stated I wanted to resume making my regular payment and defer the Forbearance amount to the end of the loan. They said I have to go thru Loss Mitigation steps and reapply for a XXXX XXXX. This is NOT what I was told and the USDA guaranteed loan website states the same thing I was told at the beginning of my Forbearance by Freedom Mortgage ( XXXX ) I just received paperwork to " apply '' for a Hardship Loan when I already have an USDA Loan. My USDA loan should go back into effect and the payments deferred to the end as I was told by Freedom Mortgage and as the USDA.gov website specifies.

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 2023-03-23
Company: Absolute Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a debt on my credit that is reflecting very negative. I have contacted the debt collectors and have no received a response or letter with my signature stating that I owe this debt. It has almost been 30 days i need it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2021 an unknown inquiry was made on my transunion credit report. there was no phone number to be reached by this company and the address that was listed appears to be an abandoned house. i have since called transunion about this situation and they agreed and told me the next step is to file a complaint with 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 2021-10-20
Company: EQUIFAX, 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: 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) Account # XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is several items that are not my debts on the report and as I attempt to dispute them, all I get is error page as shown in attached.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life.

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 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-04-23
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: Investigation took more than 30 days

Complaint:
Im File a complaint against XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. I sent it a letters on XX/XX/2022 stating theres some items on my credit report that were incorrect about a missed payment. I have not received any information back from them. It been 33 days and no respond

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 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX and XXXX I requested an increase to my line of credit with Capital One. Both times I was denied for : * There is legal action pending against the applicant Both times I contacted Capital One asking where this information was obtained from. Both times I was told they can not provide me with this information. 

I've checked all three credit bureaus and nothing shows there. I've contacted all of the court systems in my area and found no pending cases and no judgements of any kind. 

I told Capital One this information and they still maintained they could not tell me where the information came from. 

It is my understanding that a creditor can not deny you and not provide the source of the information used to make that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$970.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion has intentionally or refuse to remove inaccurate information on credit report. It Clearly has No close date and only say No Info, therefore that is inaccurate information. Transunion need to remove immediately according to fcra violation that transunion has submitted on 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 2021-03-30
Company: EQUIFAX, 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:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below : - XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had eight store credit card accounts ( Amazon, TJ Maxx, XXXX, Paypal Credit, Lowe 's, JC Penny, XXXX, and QVC ) with Synchrony Bank, which has a monopoly on store cards. The company closed my accounts suddenly at the beginning of XXXX, without notice, and did this to several hundreds of consumers since the onset of the COVID-19 pandemic ( per a XXXX search on the issue ). I, along with several other consumers, had rewards points attached to these cards. Prior to closing the accounts, my credit score was almost XXXX and I had very few credit card debts. My credit utilization was around 10 % and I have 0 delinquencies or collections. When the company cancelled these eight accounts, I had to act quickly to reduce my debt to keep my credit utilization above average in the hopes of retaining my stellar credit score. In addition, the company wrongfully used the closures to thieve all of my rewards points, which amounted to a modest {$170.00} XXXX {$110.00} with Amazon, {$30.00} with TJ Maxx, and {$30.00} with eBay ). Further, the company used their monopoly to causes damages to me in the form of reducing my credit score before I could use my savings to keep my debt-to-income ratio above average. In letters I received on XX/XX/2020, the company simply stated that activity on my accounts was " indicative of high risk of failure to pay, '' which is categorically unfounded per a review of my credit usage with their company and all other companies with which I have ever had financial instruments. I have had 0 late payments with any of my creditors including Synchrony, have never filed bankruptcy, and, in fact, pay off my balances every month for every Synchrony card that was wrongfully closed.

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 2020-07-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my account with the XXXX app, so I can fund an investment account. PNC is not allowing XXXX to connect to the app. I'm also having trouble connecting with Mint.com and other apps. It seems that PNC is not allowing third-party apps to connect with PNC accounts. This is incredibly frustrating. It's not up to PNC what apps I use or what I choose to do with my money. They must allow these apps to connect!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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:
I saw an address on my credit profile that does not belong to me. Ive never lived at, nor am I familiar with the following residence : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 

I sent in my ID, social security card, and utility bill to demonstrate my current address, but was told that my problem could not be resolved.

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 2021-10-20
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was exposed in the XXXX data breach and fraudulent accounts and inquiries have been showing up on my credit report since. Block and remove the following accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I disputed inaccurate information that was showing on my report named members XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX XXXX are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in 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