BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau. ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX. XXXX. XXXX  } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { 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 2023-06-22
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2019-08-23
Company: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MY COMPLAINT, New Residential Mortgage LLC LoanCare , LLC Acc #  XXXX Recently XXXX sold my XXXX mortgages for XXXX different properties to XXXX   XXXX although I get XXXX different statements, XXXX says XXXX XXXX and the other says XXXX XXXX. The first issue I had, which didnt appear for a couple of months, due to the transition, I noticed they added fees when I paid online and after the first of the month. I pay with my Social Security check which I get on the XXXX Wednesday of each month. I called and questioned the fees and mentioned that I had until the XXXX to pay, they informed me that if I didnt pay it on the first they could add fees. I also questioned why they raised my payment from {$1500.00} to {$1600.00} and she was rather vague but indicated it had to do with the escrow. On the other mortgage, XXXX, the payment remained the same but they added the fees for making my payment either online or by phone after the first, and I never had any of these fees with XXXX as long as I paid by the XXXX. I questioned how they could make these changes just because they purchased the loan from XXXX. The individual I was speaking to indicated they could do whatever they wanted to if I did not pay on the first. Just recently I received a letter that includes the annual escrow disclosure statement and it came from XXXX XXXX dated XX/XX/2019. It stated that there was an escrow shortage in the amount of {$5900.00} and it indicates that my current mortgage payment of {$1600.00} is going to be raised to {$2100.00} effective XX/XX/2019. They state the mortgage is owned by XXXX XXXX XXXX XXXX XXXX and service by XXXX XXXX XXXX. XXXX had previously increased my payment from {$1300.00} to {$1700.00} but then dropped it to {$1600.00} and then down to {$1500.00} which is what I was paying when XXXX XXXX took over my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: 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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : 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 non-monetary relief
Consumer complaint received 2023-06-22
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 these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and thank you for taking the time to review concerns. Extending gratitude to XXXX   XXXX for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.

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 2022-05-15
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
theres a bumch of things on my credit report n XXXX XXXX XXXX is calling lexi nexi amd states something about my medical records have been used which i never gave permission to or even knew and have a ton of issues with my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a loss mitigation review for a modification to help bring my account current. The correspondence between the loss mitigation team at Freedom Mortgage and myself has been slacking. 
First, I have not received the acknowledgment letter that was supposed to be dated within 5 days of receipt of my documents advising me of the missing items. Yes I received a call, but they stated a letter was sent out. I advised them that I was at work, unable to write things down as I operate construction vehicles ( dozers, etc. ). They said no worries basically because this letter was supposed to be sent out. NEVER RECEIVED IT. I know according to the CFPB and OCC regulations, they are in violation of notifying me of my missing information. 
Number 2, Just 2 days ago, I finally received the SPOC letter advising me who my contact was. This should have been sent to me as soon as my documents were first reviewed. Not 3 weeks later. I am aware of the regulations and compliance rules/laws. 
3rd issue, I was advised my 4506T form was incomplete, when I review the sample provided verses the one I submitted, EVERYTHING is filled out correctly. This is alarming to me, as I now feel that Freedom Mortgage staff might not be able to review the documents in the proper manner. How do I know they will calculate my income, expenses, and review all the rest of my documents correctly?

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 2019-08-23
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: Account status incorrect

Complaint:
these accounts have shown deleted and should be removed from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Prizm Financial Company, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I sent a complaint via Consumer Financial Protection Bureau ( XXXX ) .The complaint was about consumer violations among other things that prizm had violated .Prizm company response was that they were sorry that I was struggling on my payments and that XXXX, XXXX, XXXX, the consumer signed a contract for the financing of the vehicle with prizm financial company llc.They stated that they did not purchase this contract from a third party.A copy of the contract has been provided to the consumer.Prizm is willing to work with the consumer on his payments, however prizm records show a lapse in insurance coverage starting XX/XX/XXXX...... Everything that they responded back to your agency with the CFPB is a lie, misleading, and heartless the way they do there consumer.I requested that they send me a copy of there accountant ledger meaning revealing who was the original creditor, whom the debt was purchased from, etc.On XX/XX/XXXX I sent a request for debt validation which clearly, stated what was the money you say I owe is for, show me how you calculated what you say I owe, provide me with copies of any paperwork that show I agreed to pay what you say I owe, provide a verification of any judgement if applicable, Identify the original creditor, prove the statue of limitation has not expired on this account, show me that you are licensed to collect in my state, and provide me with your license numbers and registered agent or agent of service.I have not received any of the requested information from prizm financial.As of Friday XXXX XXXX it would be 30 days since the legal document I sent via next day mail was signed for at Prizm office location.They lied when they said this contract was not purchased from a third party.My investigation reveals that they purchased this debt from XXXX XXXX ( which makes them a third party purchaser ) They also stated that They are willing to work with the consumer on bringing the debt current i have proof to show the consumer attempted to make a payment arrangement for the next week but they refused it.This company not only lies to me but lies to a federal agency like the CFPB.Wow.I also sent a second validation letter, an notary signed affidavit ( statement of fact ), a conditional acceptance letter stating all consumer violations they violated with evidence to go with it, and a payment invoice to go with it.I gave Prizm 15 days to respond before i move forward with my court proceedings.As of XX/XX/XXXX they had not reponded back to my conditional acceptance offer.So note that i have taken all steps to remedy this situation without pursuing a legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( virtual assistance services ) since XXXX 2021. My paypal account XXXX has stucked funds in it that I have to withdraw, also i still have incoming payments from my customer for the services i rendered for this month. And I am hoping that I will get back my account and able to withdraw my funds, as well as use it yo receive payments again. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately.

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 2017-06-26
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: Account information incorrect

Complaint:
My wife XXXX XXXX and I had an Auto Loan through XXXX XXXX. Unfortunately, we had to voluntarily surrender this vehicle because we simply could n't afford the payment. A few months after surrendering the vehicle, XXXX XXXX XXXX XXXX XXXX reached out to us in regards to paying the remaining balance. We came to an agreement of {$130.00} a month which we started paying in the XXXX of 2016. Since then, legal action ( judgement ) was going to be taken against us. In order to prevent having a judgement on our credit reports, I reached out to XXXX XXXX XXXX to work something out. The agreement was that if we paid the balance in full, the case would be dismissed. We paid the account off in full and successfully worked with the staff from XXXX XXXX XXXX which was working to collect the debt for XXXX XXXX. I immediately disputed the information as being paid on my credit report through Equifax. Equifax came back 30 days later and informed me that all information was reported correctly, but the account was still not showing as paid. After receiving this information, I called XXXX XXXX myself to find out what the problem was. The representative informed me that my account was showing a XXXX balance and has been paid in full. Furthermore, this was showing as a voluntary surrender but has now been updated to a collection. This account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS ended up pulling the XXXX payment on XXXX as originally requested. This is fine and we do not want any changes to this going forward to avoid causing even more issues. However, since their system incorrectly stated, even as of yesterday XX/XX/XXXX, that they would not pull the XXXX payment until XXXX, we made the XXXX payment early on XX/XX/XXXX, incorrectly assuming that this would result in the XXXX ACH being applied to the XXXX payment. The portal shows that the {$950.00} mortgage payment was reversed on XX/XX/XXXX. We have no idea when and how we will receive this reversed payment. The issues with their portal almost caused our account to be overdrawn. 

They need to make sure that their system is actually updated to reflect correct information. This is a follow-up to CFPB complaint XXXX. 

I have attached a screenshot showing the XX/XX/XXXX {$950.00} reversal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Iam making payments to my mortgage company through PNC Bank account, system of mortage company accidently double charged me, called them they said you can open dispute by your bank, I did till now didn't resolve this put me in very bad situation can't deposit or pay my bills because of - {$1600.00} put me in hardship, I just need resolve this dispute with PNC bank ASAP. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Blue Bird has done nothing to help the people like me because of COVID-19! I have not been happy in 15 weeks, no responce and no nothing, and all they can do is misplace pre paid debt card transactions, and charge me fee after fee! Please do not waste your time here! Worst bank I have ever dealt with in 43 years of wreckening. They NEVER answer customer service, promise to call back and dont, ignore emails. Avoid at all cost! Where do I begin? I would give a zero if possible. XXXX, XXXX closed my checking account for " fraud. '' I thank them. So that part is good. I don't want to do business with the clueless. First time I've ever been accused of fraud and thats not so its my dad. But they wasted three weeks of my time and made it difficult getting my {$25000.00} back from them. When I finally screamed at them that I don't care, we're done, give me my money back ... I got it back. Nice doesn't work. I moved from XXXX  to XXXX  and opened an account online ( big mistake ). The online portal didn't work right. So I called, ( all-total five phone calls ) to get it corrected. Finally, the transfer went through. After they got my money, they cancelled my account. The whole time I was locked out of my account and the online people said Blue bird would explain why ... they were also sending me " welcome to b '' emails. Blue bird "  We're here to help you. '' No joking, I'm serious. Cut to the end ... I don't know what the fraud was, because the final letter was vague and pinpointed nothing to help me out., have no debt, and a. Good luck, worst banking experience ever. If I could give zero stars I would! I was discriminated against, I am currently being falsely accused of committing fraud while I was trying to diversify my bank portfolio! They closed my accounts without any notification, it has been 2 weeks and I have yet to receive a written notice on why my accounts were closed and they are wrongfully holding my funds and refusing to release them to me violating Regulation CC. Filing complaint with the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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: Investigation took more than 30 days

Complaint:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

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 2023-06-22
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$950.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX 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 explanation