BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm trying to refinance my mortgage ( currently with Freedom Mortgage ) and the title company has been unable to get a payoff quote in a timely fashion. I called myself to get XXXX and they are charging me {$30.00} to get a payoff quote. How is that in any way legal? That 's the only way to payoff the loan and they are charging for it? It 's an extremely predatory practice that needs to be stopped.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Experian 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 has been heard from them. That means Experian 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 XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$120.00}

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 non-monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: VA
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:
I am, XXXX XXXX, consumer and natural living person submitting this complaint and there is no third party involved. Equifax committed fraud on my consumer report, and I did not consent, benefit nor authorize these collections or hard inquiries on my report. I demand Equifax to remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Fifth Third Bank has lowered my credit limit creating a large point score loss because the balance to high credit ratio has gone over 80 %. I opened this account earlier this year. At that time the banker told me my credit score was XXXX. Fifth third ran a retrospective analysis ( I will discuss this in a moment ) that showed my new score XXXX points higher. They lowered my limit. I have never missed a payment with them. 
I worked in middle management with XXXX XXXX and XXXX. I hired XXXX XXXX to build a point score for my company BEFORE they built the ones for the Bureaus in XXXX. I know the scoring system. A retrospective analysis allows them to run their portfolio against the data base to see major changes in payment activity and score reductions and change limits accordingly. MY SCORE WENT UP. 
They were the ones giving me a notice that my score is now XXXX on the letter indicating the reduction in limit. This action has lowered my score to the XXXX. In other words, through no missed payments with this company, they have now subjected me to higher interest rates on loans, potential credit line reduction at other companies and continued score drop. 

I will be suing Fifth Third for this theft of my funds and hardship they have put on me even though I have lived up to my agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail. The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section XXXX protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus are saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see XXXX v XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: SYNCHRONY FINANCIAL
State: MA
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:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated XX/XX/2021 and was not released until XX/XX/2021 I had {$15000.00} in savings acct and money in checking. While I was incarcerated someone got my debit card and was making unauthorized withdrawals. When I got out of jail my savings was - {$98.00} and I had {$4.00} in my checking. I tried straightening this out with the bank which is PNC but they didnt even want the paperwork showing I was in jail at time they just said they were valid charges. I never authorized anyone to use my debit card while I was in jail. I have been left broke they now closed my acct which is $ XXXX and no one will Return my call From debit card fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When trying to pay off my loan via ACH the company refused to post that same day and instead are posting after the weekend Thus accruing an additional three days of interest on my loan. I have dealt with predatory lenders with more ethical pay off routines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX Secured card reported to XXXX  XXXX   And experian As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX and advise them of this.

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 2022-07-06
Company: EQUIFAX, INC.
State: VA
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 NOTICED SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Account information incorrect

Complaint:
issue 1 ) Equifax keep adding XXXX  XXXX BANK back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I 'm a XXXX year old male, I applied to live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX Prior to applying I short sold my, home, so my credit reports, FICO score was very low, in the XXXX range. Now keep in mind, prior to applying, I lived in my home for XXXX years, now bankrupties, eviction, criminal record, and after the sale of my home I am DEBT FREE. 
But because of a low FICO SCORE, I was declined residency in XXXX XXXX XXXX. 
I call this DISCRIMINATION BY FICO SCORE. But lets call it what it really is and will become known as, DEATH BY FICO SCORE. 
Remember when HMO 's were not treating there patients, and many died, that was known as DEATH BY HMO, well this is the next to come " DEATH BY FICO SCORE. '' YOU MUST DO EVERYTHING IN YOUR POWER TO STOP THIS WAVE FROM HAPPENING. 
The private sector, is putting billions in advertisements to give the FICO SCORING SYSTEM more VALUE in OUR lives, SO WHATS NEXT?? 
You what to take a vacation, SORRY YOUR FICO SCORE IS TO LOW, YOU CA N'T LEAVE THE STATE. You want to go to a restaurant SORRY YOUR FICO SCORE IS TO LOW, AND ON AND ON. 
You must fight with all you power to ABOLISH THE FICO SCORING SYSTEM, XXXX IS THE COMPANY, THEY ARE ABOVE THE LAW, AND CHANGE THE RULES OF HOW FICO IS SCORED, FIGHT TO ABOLISH IT NOW Thank 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 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX there were XXXX XXXX transfers from my Bank of America checking account to a " XXXX, XXXX '' totaling {$3500.00}. I have only used XXXX XXXX other time EVER to send a small amount of money to my granddaughter in XX/XX/XXXX and never requested nor approved these other transfers. Bank of America is saying these are legitimate but I don't see how that is possible.

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 2022-02-24
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a victim of identity theft and I had provided all the necessary documentation to FROST ARNETT they can't even provide me with a valid account number. I had asked on several occasions to DELETE the following account from my credit report since it is causing me financial distress and is an Inaccurate Item reporting on my credit report. 
DELETE - FROST ARNETT - No Account Number Provided DELETE - XXXX XXXX XXXX DELETE - XXXX, XXXX, I DELETE - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: LendingPoint Holdings LLC
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:
Do n't know, nor have I ever applied, signed ANY application for any loan from Lending point ... got a email saying that I had applied for a installment loan, and that I was declined!!! All this unbeknowest to me ... I sent a email to Lending Point letting them know that I had NOT applied for ANY credit installment loan, and that if they were reporting that to the CRA 's that I would be filing a complaint in  XXXX   XXXX  Superior court for them erroneous reporting a inquiry to the CRA 's in violation of t he F.C.R.A. I  have also filed a Identity Theft report with my local police station ...

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 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system in which violated the rights of the consumer under the section 6.11. As the result I have been gravely affected and my score is suffered due as the result. No notice was ever given in which is also a violation and I'must requesting that all inquiries be removed

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 2015-09-02
Company: MNE Services, Inc
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX and XXXX XXXX who I believe to be the same person have called my place of employment attempting to collect a debt for a pay day loan. They call about every XXXX minutes. Calls started on XX/XX/XXXX. I have informed them that i did not receive a payday loan and yet they continue to call and harass me and my coworkers. After reviewing my bank statements from XX/XX/XXXX, I did not receive a paydayloan. it is possible that I applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
As a result of a Credit Card furnishing me with my updated FICO score periodically, and having recently applied for credit, I learned that there is a XXXX point difference between XXXX of the XXXX reports. I spent time and money to find the XXXX, and was directed to file a complaint to an address that does n't exist by Transunion ( the one with the lowest score ). I tried to get all XXXX of my reports for free, but when I was on the phone with XXXX to get a bunch of information corrected ( duplicates, wrong address information, incomplete work history, some of my son 's credit history included in mine ), I timed out and was unable to retrieve or correct the other XXXX reports, though I 'm sure the same misinformation exists. This process of each of the XXXX companies using different models, different information, and NOT sharing a credit score unless the owner of that score pays for it causes the consumer to be denied credit frequently. Speaking with the individual company ( Transunion ) took XXXX hours and I never got an answer-a supervisor hung up on me ( XXXX XXXX ). He would not furnish me with his direct line or an address, or refer me to anyone else before he hung up on me. He also stated he could n't pull up my report and insisted I tell him what " factors '' affected my score, but could n't explain any of them. The entire process was frustrating, provided no information of value, and caused me a great deal of stress-and I still have no answers as to WHY I have XXXX credit reports with vastly different scores. Finally, when I asked for an address or contact information to file a complaint, I was given an address of FCRA, Credit Bureau Disputes, XXXX, DE, XXXX. This address is NOT associated with anything relevant to filing a complaint and I feel the supervisor purposely gave me false information to lead me astray.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: BRite Financial Services, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This account with XXXX XXXX with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion shows/reported that 2 hard inquiries were made ( they are both unauthorized hard inquiries ) They show that XXXX did one on XXXX XXXX, 2019 and again on XX/XX/2019. I have not applied anywhere and I am concerned of possible fraud activity against me.

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 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax Lien information on all XXXX reports is incorect I am making payments

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 2019-11-25
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited XXXX XXXX emergency room in XXXX XXXX, Oh. During registration the wrong insurance id number was documented. They were supposed to use my XXXX number. I contacted my insurer and was told I was covered and should not have been billed. I gave the correct information to XXXX XXXX billing department about six months ago and they still have the debt reporting to a credit agency First Fed Credit Control and on my file. I would like this payment deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.

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 2017-09-19
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Dynamic Recovery Solutions, I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This company is still reporting a paid XXXX tax lien whereas under the XXXX, I meet all of the qualifications and eligibility, per the IRS notice on IR- XX/XX/XXXX, XX/XX/2011

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