BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I inquired as to many erroneous inaccuracies on my credit profile I have yet to have been updated as to what is exactly going on, its been over 60 days now. 
I am seeking assistance in the upsetting matter that has come to my attention regarding my credit report these accounts are inaccurate unverifiable invalidated and questionable. If these items are not reporting 100 % accurately they must be removed. Can you please take a moment to clear this up on my behalf. According to law unverifiable, inaccurate accounts must be removed, thank you for your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Credit Plus Inc
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Credit Plus continues to do hard inquiries on my Credit Reports without my authorization. I have a true identity alert on all XXXX credit reports and any credit checks are required to be authenticated per the FCRA. To date Credit plus has done several hard inquiries without calling the number on my credit reports to ensure these are legitimate credit inquiries. Credit Plus did a hard inquiry on XXXX XXXX, 2015 and then again on XXXX XXXX XXXX, 2015 without calling me as required by FCRA law and without my authorization. Please see hard inquiries below. 
XXXX Unauthorized Credit Hard Inquiries by Credit Plus1. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

2. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

FCRA Law605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ii ) Verification. If a consumer requesting the alert has specified a telephonenumber to be used for identity verification purposes, before authorizingany new credit plan or extension described in clause ( i ) in the name ofsuch consumer, a user of such consumer report shall contact the consumerusing that telephone number or take reasonable steps to verify the consumer 's identity and confirm that the application for a new credit plan is not the result of identity theft

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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} JXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5100.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2016-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX bankruptcy on my credit that was dismissed, They will not take this off my credit report. I dont know what else to do about this. I have written Equifax in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
EXPERIAN WILL NOT GIVE ME MY REPORT ON LINE I NEED IT ASAP

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 2021-08-23
Company: EQUIFAX, 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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
citi bank lowered my credit score three points and it says because citi bank removed their mark from my account that makes creditor see me clear where it cost me three points.why citi bank did add or remove this mark what the changes or the updates that made them do that i have no clue/ i called citi bank they denied and all creditors say its Citi bank behind lowering my credit score. 

my emails XXXX XXXX XXXX XXXX its like once i write complain i dont think i should write same exact email address and not sure why this huge cruelty to reduce my credit score three points on XXXX XXXX, XXXX, XXXX  .I want to know why citi bank reduce my credit score three points, please have this abuse stop. 
please look at the last report where you would see that my credit score went down three points and citi bank refuse to tell me even why

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: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear sirs ; I requested information to validate this debt. When I questioned what was sent to me this company has not answered. I requested SCA Collections to provide me with more information about these alleged debts and the have ignored my request. I asked them to remove these collections from my XXXX and XXXX credit reports if they could not provide me with what I asked for they have ignored my request, They have not answered my letters and at this point I question if this is a real company This debt has not been validated.

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: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22, I received an email from Truist that my account had been locked due to too many login attempts, and I needed to call them. I called them at XXXX est and was on hold for 79 minutes. The Truist rep picked up the phone and then hung up on me. I then called back and was on hold for 47 minutes, and someone picked up and then hung up again. I tried the automated helpline and was supposed to get a text to reset my password. I never received the text. I called the local branch, and nobody answered. I called another branch for help, and he acknowledged this was happening to many people, and there was nothing that a branch could do to help 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 2016-11-30
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I initiated this account for short sale on XX/XX/2016 by submitting lender package, offer and all required financial docs good through 90 days. On XX/XX/2016 we spoke to Freedom Mortgage and they confirmed that our package was received and a processor was assigned for review and all documents has been received but as per FHA guideline this loan must be reviewed for a Home Retention option first and it might take up to 30 days for the review to be completed. FHA Loan modification denial letter was sent to me dated XX/XX/2016 due to " Insufficient Income-Ability to Repay. '' Since the loan modification process was denied, we then called Freedom Mortgage on XX/XX/XXXX, to request them to order an Interior Appraisal as there was no interior value for this property. After document review was completed, on XX/XX/2016 I have received an email from their XXXX XXXX stating appraisal has been ordered. I received a call from an appraiser for access on XX/XX/2016 and access was provided on XX/XX/2016 and the value was good through XXXX/XXXX/2016 the appraisal was completed successfully. 

After several requests, we finally received a copy of the appraisal on XX/XX/2016. Then the value came back very high and freedom mortgage advised to dispute the value. The valuation dispute was submitted XX/XX/2016. On XX/XX/2016 the freedom mortgage XXXX XXXX sent an email stating Loan has been reviewed and determined sufficient value based on current as-is appraisal & AVM. Dispute the offer and supporting documents, the value dispute was denied out and the lender closed short sale process completely without a chance for the buyer to counter. 

On XXXX/XXXX/2016 we reinitiated the file again for short sale by submitting fresh package with all updated financial good through 90 days, offer and lender package. Then I was advised by the servicer that FHA extended the value expiration and it expires in 6 months which is XX/XX/2016. So, I was advised by freedom mortgage that they will order a new appraisal once the current value expires. When we called in freedom mortgage on XX/XX/2016 to get an update on the short sale review and the status of appraisal order they are advising me that the file needs to go through Home Retention Water fall process again whereas it has not even been 7 months since it got denied for Home Retention option on XX/XX/2016. In regards to the appraisal order they are advising me that they do not know when it will be ordered and they are not giving me any clear update on the file. When requesting to speak with management, I was also denied. Freedom Mortgage representatives are even advising me to call FHA for any updates on this file whereas they are servicing this loan.

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 2016-12-02
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan had been transferred to Freedom Mortgage, we were on a biweekly payment plan as we wanted to payoff the loan faster. We ended up moving from XXXX Texas to XXXX and sold the home. During closing a payoff amount was requested and we contacted them to notify that the loan would close on XX/XX/XXXX and the payment for XX/XX/XXXX would be included in the payoff amount. A represenative told us this was normal practice and so we went on to close the loan on the XX/XX/XXXX. Once the loan was closed and paid in full, we began looking for a new home in our new XXXX of XXXX. Come to find out our credit had been dinged badly due to Freedom Mortgage saying we had missed XXXX payments!!! WHAT?? I immediately got on the phone to find out what was going on. After countless phone calls and talking to representatives and waiting for supervisor call backs ... .still they can not put me through to anyone who has the authority to look into the matter and realize that NO payments were missed and the loan is closed and paid in Full!! This has prevented us from looking for and applying for a new mortgage. This is by far the worst handling of a situation where a client who has always been in good standing and has completely paid their loan in full, is being completely discredited by a mistake from their company!! It completely disrupts peoples lives!!

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2018-03-17
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: Account information incorrect

Complaint:
Re : XXXX XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, XXXX would have notified me and I have no records of them doing that.

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 2020-01-17
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 my bank account was froze without warning or provocation. I received no message through online banking.no phone call no email. I was unable to pay for groceries at the store is the way I realized I had no access to funds. I customer service with PNC bank who told me my account was under investigation. XXXX XXXX Michigan branch manager told her I was sending money to a romance scammer, and it was her job to protect my funds. 
All funds in my account have been from my investor. This was a knee jerk  reaction and slanderous act. When contacted the branch manager said she could keep my funds froze up to 90 days. I have a XXXX XXXX and require access to funds. And we are having blizzard conditions here in Michigan. I explained this to the branch and to investigators. My account remains frozen. I am.unable to.close the account because.it is under investigation. The deposits and balance are over 6 thousand dollars. And my car and house insurance are.due and my phone bill. This is causing severe financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial 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 explanation
Consumer complaint received 2017-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
M y Capital one c redit card  XXXX   XXXX   XXXX   XXXX  has been removed from my credit reports due to a credit bureau mistake. This account got mixed up with a different account reported as fraud. This card needs to be re-reported by  Capital One to ALL  XXXX  credit bureaus. All pay history since 2010 needs to be up dated immediately. If any requests have been made by any of the credit bureaus to stop reporting this account please disregard them as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I got an offer in the mail from Freedom Mortgage at Freedom Mortgage XXXX Ohio XXXX I applied for an adjustable rate mortgage on my home they sold me on this .Here is the problem they sent a closer to my home to close the loan and he saw that my daughter was living in my home with me and he suggested I put her on the title as she was not on it, Time passed and I needed to refinance and so I began to seek a new loan and they denied me the loans based on my daughter having judgments against her and now she is on the title I live on a fixed income and can not afford the loan now soon the rates will adjust and go up. I blame the person who they sent to close the loan for advising me to put my daughter on the loan. My health is not good and I only make so much money and would have qualified for a reverse mortgage except for this issue and in addition I can not get through to any one at Freedom Mortgage so I hoped to contact you and you can contact them to see how this can be resolved. thank you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I called XXXX XXXX, the company that accessed my entire credit report ( hard inquiry ) on XXXX XXXX, even though I authorized a different company, XXXX XXXX , XXXX, to do an employment ( soft inquiry ) and in that authorization ( documents uploaded ), I clearly requested a copy of any reports. 

When I called XXXX at the telephone number listed on the credit inquiry ( XXXX ), my call was answered " UCC '' with no name given. I asked politely about what happened, the person yelled at me and said they are not required to provide a copy of the credit report to me, and refused to give me their name after multiple requests, but yet insisted I give my name ( I refused! ). I politely pointed out that they are in fact required to provide a copy of the report, and they still insisted they do n't have to provide it, and then hung up on me. 

I want a copy of my report that was accessed, as is absolutely required under FCRA, and most of all I want to know how this law-breaking company ever got their hands on my entire file of personal information ( which was NOT authorized to anybody and can never be undone ), and also I wonder what recourse I have. I have already filed a fraud complaint and put a 90-day fraud alert on all three credit bureaus, but there is nothing the credit bureaus can do to undo the damage of giving my information to these unscrupulous people. I 'm not even sure what a " final response '' from the credit bureaus would entail, in a situation like this, apart from what they have done ( put a fraud alert on my report ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation