BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/XXXX I received my escrow statement in the mail and upon opening it I was taken aback by the amount of the shortage outlined on the statement. I tried my best to make sense of it, but could not. 

On Monday XX/XX/XXXX, I started making phone calls to both my local tax office and my insurance company, neither of which could help me make sense of what I was explaining. I then reached out to my loan service provider ( Loan Depot ). I spoke with a customer service representative by the name of XXXX in the XXXX service center who did her due diligence to assist me with a problem that obviously occurred in the New Jersey service center. I initially refinanced my loan. With loan depot. In their New Jersey. Office. In XXXX XXXX  XXXX my loan was transferred to their Texas location. After XXXX did as much as she could and could no longer be of assistance to me, I escalated my concern to their upper management who transferred my case to XXXX XXXX an Escalation Specialist who has been working on my case. 
She informed me on XX/XX/XXXX that her superior said that it was the fault of the insurance company, for sending a supplemental bill which in turn prompted them to put the lower amount in their system thereby throwing my escrow into a tailspin. 
On XX/XX/XXXX I had a conference call with XXXX XXXX, Loan Depot Escalation Department, XXXX XXXX, XXXX XXXX and one of my family members who is knowledgeable about the mortgage/escrow process. After going over everything with a fine-tooth comb, the conclusion was that Loan Depot should have made the changes in an obviously flawed system. For your information, I have outlined the order of events. 
Timeline of events are as follows : XX/XX/XXXX Loan Depot received a bill from XXXX XXXX for {$3400.00} XX/XX/XXXX Loan Depot paid XXXX XXXX {$3400.00} XX/XX/XXXX Loan Depot received supplemental bill for {$280.00} XX/XX/XXXX Loan Depot paid XXXX  {$280.00} Upon paying the last amount of {$280.00}, Loan Depot failed to add that amount to the {$3400.00} in their system, therefore only escrowing {$280.00} for an entire year. When my current policy amount of {$5800.00} was billed to Loan Depot, they paid it on XX/XX/XXXX, adding to an already negative account because of their initial mistake. 
I am not asking for them to take responsibility for the current amount owed, just the amount of {$3700.00} that caused the large overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: ID
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 am filing this complaint with the CFPB ( Consumer Financial Protection Bureau ) regarding fraudulent items appearing on my credit report. Upon recent discovery, I have found multiple items on my credit report that I did not authorize or participate in. I have taken the necessary steps to dispute these fraudulent items with both the credit reporting agencies and the relevant creditors, but unfortunately, I have not received a satisfactory resolution. Despite providing ample documentation and evidence of the fraudulent activity, these items persist on my credit report, continuously harming my credit score. I strongly believe that these fraudulent items are a direct result of identity theft, and I am deeply concerned about the potential consequences for my financial well-being. Therefore, I kindly request the Credit Reporting Agencies to investigate this matter thoroughly and take appropriate action to ensure the removal of these fraudulent items from my credit report, as well as the restoration of my credit score to its previous state. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and 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 explanation
Consumer complaint received 2021-09-29
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian on XX/XX/XXXX to update 3 collection accounts that were incorrectly showing balances. The debt was paid to the original creditor on XX/XX/XXXX. 

I contacted the collection agency on XX/XX/XXXX to find out why they were still reporting the balance to Experian as unpaid. I was informed that the accounts were reported to Experian as paid on XX/XX/XXXX and Experian never contacted them as part of the dispute investigation even though Experian updated the dispute as complete and reaffirmed the balance on my credit report. The 'last updated " date on the accounts show XX/XX/XXXX which is clearly after the dispute and after the balances were paid. 

The reported balance on each of the 3 accounts are as follows : {$480.00} {$500.00} {$1700.00} Experian never conducted an investigation as is my right under FCRA.

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 2023-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I want to express my concerns about how Bank of America handles unpaired payments. Instead of rejecting such a payment, Bank of America accepts the payment, reduces its amount for a fee and wires another transfer back to the original bank. 

This process takes days and leads to a charge for an accepted international payment, charge for sending money, and another charge for an international payment back to the original bank. For an international payment a typo in a secondary identification next to account number ( such as name or address ) can cost close to {$100.00}. 

On the contrary, rejecting such a payment is instant and free of charge. Accepting such a payment might go against regulatory compliance and could be considered exploitative and not in the best interest of clients.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX  : {$310.00} XXXX XXXXXXXX Balance : {$2300.00}.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$600.00}.

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 2023-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 
# XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed from my file : XXXX XXXX XXXX  XX/XX/2023

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 2023-09-12
Company: ORG GC GP Buyer, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a letter from GC Services stating that they were attempting to collect a debt. I did not have an account with them. I sent them an affidavit swearing under penalty of perjury that I do not give them consent to report a debt. I noted FDCPA violations along with exhibits backing the violations in my claim. There is also an invoice for each violation in the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX BANK XXXX XX/XX/XXXX {$2400.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and XXXX an identity theft report. 

XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX XXXX XX/XX/XXXX. I contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$45000.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$7200.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 


A HOST OF INQUIRIES ALSO I contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I ASKED THEM SEVERAL TIMES TO REMOVE ANYNNAME THAT IS NOT XXXX XXXX AND THE ONLY ADDRESS SHOULD BE, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-05-08
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: Old information reappears or never goes away

Complaint:
XXXX  refuses to remove a foreclosure from my credit report even though it is well past t he 7.5 years beyond the FCRA Date of Compliance. Under FCRA 609 ( a ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance as   XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX    XXXX   XXXX  and at th at time re --  aged the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 DO NOT RECOGNIZE THESE ACCOUNTS ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I NEED THESE ACCTS DELETED FROM MY CREDIT ASAP ALONG WITH THE INQUIRES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: AZ
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent certified letter requesting under 15 usc 1681c-2 block of information from identity theft. that the accounts they are reporting on my consumer report are not mine and result of identity theft. inresponse they sent back letter stated they were verified and where mine, if so required by FCRA they are by law to verify that its mine they are to have a verified contract with my wet signature on file that proves its in fact that they are my accounts and to show me by law how and what procedure was used who in their company verifed these, where is the verifed documents and if they can not provide such proof it must be deleted. 

please see attached documents required by law by me the comsumer to have these accounts deleted from my credit report Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing this account since XX/XX/23. Experian have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.

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 2023-05-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # 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 response to consumer: Closed with explanation