BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
called XXXX to lift my credit freeze for a mortgage loan credit check and was unable to log on with my user name and password that worked the first week of XX/XX/XXXX. called the help line number on the log in page and it took over 10 minutes to navagate the phone tree and it hung up on me several times trying to verify me but i finally got in to talk to a rep. the first lady was hard to understand and she was again trying to verify my accounts before she could help. got to the last step and she asked about a balance on my credit card and it told her XXXX but she kept saying back XXXX cents and then said since i could not verify the dollar amount she hung up. then i called again and had the same experience with that lady and the language barrier so i asked her for her name or employee id number and she would not give it to me so told me to transfer me to a manager and she hung up on me. contact info is required by law i believe ... 
called again and got another person who would not transfer me to a manager and tried every way to not do it. i kept asking for her name or employee ID and she would not give it to me so i asked for a manager and she actually transferred me. the manager verified my account info and helped me but i told her i wanted to file a complaint against the first two people and she did not know who they are even though they were both into my account and i know they have to track that access as required by law. so she was hiding that fact and that is why i am submitting my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America had fraudulent accounts opened in my name several years ago without my knowledge. I go into a branch to open an account for myself and I had my social, my drivers license, my birth certificate and the bank manager contacted the fraud department to resolve the issues with the old accounts that had been opened without my knowledge or consent. We faxed police reports and we explained all details. The branch manager explained they had me there is person. Do you know the fraud department at Bank of American still refused to open the accounts.

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 2020-02-10
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:
Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX   XXXX {$3500.00}

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX   XXXX {$3500.00}

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 2021-08-17
Company: LEXISNEXIS
State: NJ
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 out paperwork to Lexis Nexis asking them to validate how and where they received information on a bankruptcy that they are reporting on my credit report.They have not sent me anything In writing as to how they validated this information they are reporting on my credit report. And the federal law requires them to respond within a 30 day window, and they are sending out consumer reports and not what I am asking for. I reached out to you guys before on another matter and to know avail. I really hope we can reach a resolution on this matter. I am only coming here because I was told this is what you guys are here for. And if they received this information thru E-OSCAR it is not legit and they will not explain to me where they are receiving it from as a consumer I have a right to know how they retrieved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-12-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
***COPIES OF WRITTENEVIDENCE FOR THE COURTS ***INTENTIONAL VIOLATION OF THE RESPA BY NATIONSTAR, XXXX XXXX  AND XXXX XXXX*** ATTACHED IS THE EVIDENCE OF LOAN FRAUD*** HERE IS A COPY OF OUR PREVIOUS REQUEST IGNORED WHILE THEY TRIED TO STEAL OUR HOME USING FRAUD ~ XXXX**1. Allegations of Fraud, Criminal Activity, and Predatory Lending ~ In review of your correspondence provided to the CFPB, you claim that XXXX XXXX, XXXX, and Nationstar have defrauded you based on the evidence that a Wind Insurance Policy was not added to the Initial Application Documents, HUD-1, Escrow Disclosures or the Initial Payment. As such, you have requested that the loan be rescinded with any lien release documents, property rights, and Titles transferred back to you. XXXX ATTACHED IS NATIONSTAR CONFIRMING THE FRAUD IN WRITING ~ THIS CONFIRMATION OF THE FRAUD IS SIGNED BY THEM AND ON THEIR LETTERHEAD SO WE DO N'T NEED TO QUESTION THE SOURCE ~ THEY HAVE ALREADY ADMITTED GUILT *** WE HAVE ALSO ATTACHED THE ORIGINAL, FRAUDULENT LOAN PACKET WHICH MISLED THE ELDERLY CONSUMER*** IN THE FUTURE WE RECOMMEND THEY DON '' T BUY FRAUDULENT LOANS AND TERRORIZE CUSTOMERS. XXXXATTN XXXX ... IMPORTANT SIDE NOTE, THESE XXXX ALKWAYS THROW OUT THEIR FRAUDULENT RESPONSES BETWEEN XXXX AND XXXX XXXX ON A FRIDAY AND THEY NEVER PUT THE FRAUD IN WRITING, THEY PUT IT IN AN ATTACHMENT WITH THE HOPES THE CFPB AND ATTORNEY GENERAL DOES NOT LOOK FOR IT ... THEY HAVE ESCAPED UNTIL NOW. LOOK AT THEIR ATTACHEMENTS, THEY CONFIRM FRAUD EVERY DAY BUT SOMEHOW IT HAS ESCAPED PROSECUTION. XXXX IN THEIR XXXX XXXX EREPONSE TO ME FOR EXAMPLE THEY PUT THIS IN WRITING ~ " Under the Covenants section on page three ( 3 ) of the Mortgage, it states that all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) principal due under the Note '' AND PROCEEDED TO STEAL 2 HOUSE PAYMENTS WITHOUT PROPER CREDIT TO PRINCIPAL *** THEY CONFIRMED THEY HELD MY MONEY IN THEIR INTEREST BEARING ACCOUNT FOR 60DAYS ... TWICE IN 2017 ... IN WRITING*** ALSO INCLUDED IN THE ATTACHMENTS ARE THE CONFIRMATION OF EMBEZZLEMENT ... THEY STOLE {$1500.00} FROM ME JUST A WEEK AFTER MY XXXX YEAR OLD HUSBAND XXXX ... THIS WAS NO COINCIDENCE ... I HAVE HAD A MORTGAGE ON THIS HOME FOR DECADES AND THIS ONLY HAPPENED ONCE ... DURING MY MOST VULNERABLE TIME *** IF YOU HAVE ANY QUESTIONS ABOUT THE INTEGRITY OF THESE INDIVIDUALS I THINK STEALING CASH FROM A WIDOW AND MAKING HER HOMELESS SAYS IT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, 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:
I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE harleys in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - 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 ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; 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 XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-04-26
Company: EQUIFAX, 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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Back XX/XX/XXXX I filed a complaint with you because my morgage payment had been messed up since XXXX of XXXX. According to my complaint and you sending in to ditech it was supposed to be corrected. Well here we are again and its the same exact thing as the previous complaint. It currently shows that I am behind on my payment which is not correct. It states my last payment was XX/XX/XXXX which was when they supose to have corrected my account. I made a payment on XX/XX/XXXX and XX/XX/XXXX but it does not show this. This is the exact same thing that has been happening every since last XXXX. It's so frustrating. I just want this to be fixed correctly, although it is a clear as glass that even management doesnt know what they are doing. I just dont know what to do anymore. The one thing I can tell you is that I dont have that kind of money to make 2 payments when I have been paying all along.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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:
I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2019-07-14
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: Information belongs to someone else

Complaint:
To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from 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 non-monetary relief
Consumer complaint received 2021-08-17
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 fraud alerts or security freezes

Complaint:
Please remove the extended fraud alert or any fraud alerts as I did not request anything like this on my report. I just needed stuff removed due to stuff in the past but all is well now. Please remove it.

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 2020-02-10
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: Their investigation did not fix an error on your report

Complaint:
I filed for bankruptcy in XXXX of 2018 - it was discharged in XXXX of 2018. I still have 2 companies reporting open accounts for items that were included in this bankruptcy. They are correct with XXXX  and XXXX   but Experian will not correct it on their report. I have filed a dispute with Experian, and written 3 letters to the creditors trying to get this resolved. The two open tradelines are XXXX and XXXX XXXX, both were discharged through bankruptcy. I feel that I am being discriminated against as I have tried numerous times to correct these issues and they have been ignored. I want both of these tradelines to show closed and discharged through my bankruptcy instead of showing as open and collections. People file bankruptcy for various reasons and in my case it was due to divorce, I am trying to resolve my financial issues and having these two incorrect items on my report is effecting me to recover from this situation. Please have Experian correct my credit report immediately or I will have to seek legal counsel.

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 2019-07-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've tried to open a checking account at a local XXXX but the associate mentioned he was not able due to a popup error about a block requested by TD Bank. I don't remember having any issued with TD Bank while having this account in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated 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 2022-04-26
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company will not remove PMI in a timely manner even after being forced personally to file a request for PMI removal. The home reassessment from the town has been provided even though this should have been automatic since the the owed balance is less than 75 % of the home value. This has resulted in me paying three months of PMI for nothing and the company will do nothing about it. 

Also, The mortgage company has not provided a reassessment of my escrow amount. I have had to ask 5 times for revision and on the final time they somehow reduced escrow even with the increase in taxes and this being new construction and previously being assessed as land only. I now have to manage my own separate account for escrow and have already been sent a supplemental tax bill from the town that I had to pay directly. 

Company is unresponsive, the website doesn't work properly ( today I couldn't pay my mortgage payment for over an hour due to website errors ), and customer service is rude, confused, and uninformed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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