BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DE XX/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
Consumer complaint received 2022-11-11
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: 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 U.S.C 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an 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 16815-2 ( A ) ( 1 ) A person shall not turnish any information relaying 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 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2022-12-08
Company: Avant Holding Company, 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:
Hi my identity has been stolen through the XXXX XXXX XXXX XXXX a doctor 's office as well as my computer has been haked. I made a police report when my home computer was hacked on XX/XX/2021 I made a police report I explained to the officer that my home computer was hacked and compromised. He told me to report the idenity theft to all credit agenices I contacted them and i saw that there was a few accounts opened in my name that i did not open I desupted these account contacted the creditors and they refused to take action leaving these accounts open and they are still on my XXXX XXXX  account is called XXXX/AVANT, XXXX XXXX XXXX has a open account in my name and I can not get these creditors to remove these fraudalent accounts off my credit I placed credit monitor and a credit freeze on my account please assist me in this matter I would truely appreciate it Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting LexisNexis Risk Solutions place a freeze on the credit/information report. They are requesting I provide them with a copy of my social security card, drivers license and other personal information. I am the victim of identity theft, so I am not willing to provide anyone with any personal information. I have a personal and religious objecting to companies using numbers as a means of identifying me. Regretfully, I can not prevent LexisNexis Risk Solutions collecting personal information and using my social security number or drivers licenses number to identify me. I can comply with my religious beliefs by not assisting nor supporting the use of a number as an identifier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint stated in a XX/XX/XXXX, letter, " PMI disbursements were updated from borrower paid to lender paid, '' once the mortgage service provider " determined that PMI payments were not meant to be disbursed from Borrower 's escrow account, in XX/XX/XXXX. 

However, Shellpoint did not return Borrower 's misused funds until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO VIOLATE CONSUMER RIGHTS AND CAUSING EXTREME HARDSHIP TO CONSUMER REPORT BY REPORTING ILLEGAL AND UNAUTHORIZED CONSUMER IDENTITY INFO. PRA WAS GIVEN NOTICE OF DISPUTE, DEFAULT AND OPP TO CURE WITH INVOICE FOR COMPENSATION DAMAGES DUE TO VIOLATION OF FCRA, PA, FDCPA, ROSENTHAL ACT AND USING FEAR, DECEPTIVE AND MISLEADING BILLING TACTICS ON ALLEGED DEBT. CONSUMER ALSO CLAIM SECURITIES FRAUD IN USING MY PRIVATE INFORMATION TO RUN SECURITIES. CONSUMER HAS NOT GIVEN WRITTEN AUTHORIZATION TO OBTAIN PRIVATE IDENTITY INFORMATION. PRA FAIL TO SHOW PROOF OF CLAIM WITH A VALID SIGNATURE OFTHE CONSUMER TO PAY ALLEGED DEBT. CONSUMER DEMANDED DOCUMENTARY EVIDENCE OF PERFECTED LIENS, AGREEMENTS, CONTRACTS, PROMISSORY NOTES, OR ANY OTHER DOCUMENTARY EVIDENT TO SUPPORT PRA 'S CLAIM AND CONSUMERS AGREEMENT. CONSUMER SEEKS {$6000.00} IN DAMAGES. CONSUMER DEMANDED PRA TO CEASE AND DESISTS ALL COMMUNICATIONS INCLUDING CONSUMER REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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:
Improperly placed items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Filed a claim with Wells Fargo Bank approximately XX/XX/2023 and then they said it might take about a week to 10 days to resolve It They told me on XX/XX/2023 there was some suspicious fraudulent activity on my account. I told Wells Fargo that I had my wallet and my phone stolen and my PIN was in my wallet. They told me they would have it resolved in 10 days.about 7 days into the claim they wrote me an email stating that they would be working on it and they are working on it and they will get back to me and that I would receive a credit to my account while they are working on it. Then about 2 days later after that I received another letter and they told me that they were working on it still and that and that they would you know contact with the need anything again I did receive another letter and they noticed that on some of the transactions that my PIN was used and based on this they felt that either I or someone I knew did these transactions. And at this point they would be able to do nothing more and that the claim is now done nothing more to be done.So being as upset as I am I went to the internet to see if I could see if anyone else had gone through a claim with Wells Fargo and in fact they had and they had been given the same response as they had given to me that's was that Wells Fargo had told them the same thing that they were or someone that they knew was at fault.i then decided to get a hold of you and when I was reading the internet they had success when they got a hold of the consumer finance.gov and had a very good response in getting what they needed accomplished. At this point I decided to personally write to you myself and explain what I had gone through and I felt very good about what you do for the people when they have a problem and you're there to help them and resolve it and at this point I'm out approx {$3100.00}. XXXX and we all work hard for our money. Please help me resolve this issue as I feel you're organization>people respect and have a deep regard for. It appears that Wells Fargo really has a very narrow minded opinion about these claims brought before them. 


Thank you, 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've had my XXXX XXXX XXXX  with XXXX for 7 years and not used it in the last few years why I canceled my credit card in order to save USD XXXX annual fee. XXXX then persuaded me to keep the card because of the benefits XXXX XXXX would offer. Upon reactivation, my auto payment feature has been somehow XXXX, resulting in my USD XXXX annual fee not being paid. Since my monthly statement did not reach me either despite paperless statement ( got also XXXX ), this amount was overdue. At no time did I know that this amount was overdue. This resulted in a significant drop in my credits score. I have reported this to XXXX and also to Transunion which then reached out to XXXX. Despite all this information, my credit score has not been adjusted accordingly yet. For a XXXX who is struggling to build a credit score, this is hard to accept. I disputed on the Transunion website again, send this complaint here and won't give up before I am not treated the right way here. 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2022-10-26
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-10-26
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays Bank sold my credit card account to XXXX XXXX Bank in XXXX, XXXX. I made two payments to Barclays via XXXX XXXX XXXXXXXX electronic payments from my bank account in XXXX, XXXX  and Barclays for 7 months told me and XXXX they never recieved the payments. I sent each Bank copies of XXXX  XXXX XXXX XXXX Letters proving payment. Finally Barclays in XXXX, 2022 through thier Settlement Department admitted to me and XXXX that they transmitted electronically the payments to XXXX back in XXXX, XXXX  through thier Trailing Payment System and stated dates. 
In XXXX, XXXX  Comenity, in a conference call with me and Barclays, was to follow up with Barclays and together locate the funds. Comenity on XXXX notified me that they did not recieve the funds from Barclays and asked me to contact my Bank to review submission of payments. Barclays would not provide me with written evidence that they transmitted the funds, on my behalf to XXXX. 
One of these two banks has my payments and after dozens of emails and phone calls and letters, I am at a loss as to how to recover my payments or get credit. Each Bank points the finger at the other and all I get is a run around.

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 2023-10-04
Company: MOHELA
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received notification from my student loan servicer, Mohela that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XX/XX/. I contacted XXXX and learned that Mohela reported on XX/XX/XXXX  that I have a balance of {$82000.00}. 

I called Mohela and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to zero. I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. Mohela is in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: LAND HOME FINANCIAL SERVICES
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home XX/XX/XXXX. My mortgage was {$1200.00}. I received a statement in XX/XX/XXXX that my mortgage was increased to {$1600.00} due to an escrow shortage. After speaking with my loan servicer ( Land Home Financial ) I was informed that I didn't have enough money to cover my taxes. {$2400.00} was paid by the lender since I didn't have enough money to cover in my escrow account. They are charging me the overage amount. I did not take ownership of the property until XX/XX/XXXX so I was not responsible for XX/XX/XXXX taxes. I don't see how the loan servicer can use my escrow to pay taxes for a year when I did not have ownership of the property when the dates are on the tax bill. I don't understand why they mortgage broker was contacted AFTER the loan servicer already had paid the taxes from my escrow instead of prior to. I spoke with the mortgage broker whom stated to me that the Title Company ( XXXX XXXX XXXX XXXX ) didn't pay all of the liens during closing. I submitted a complaint to the title company and it was discovered that the seller did not pay the XX/XX/XXXX taxes. The title company subsequently denied due to they had no way of knowing this at the time of closing and stated to me that both attorneys for me and the seller should've caught this. I spoke with my attorney that did the closing and he stated to me that the title company is responsible because they estimated my taxes incorrectly. He said I got credit the taxes at closing, however, I only got credit for XX/XX/XXXX not XX/XX/XXXX since the seller was suppose to pay those taxes. He stated if the seller didn't pay the XX/XX/XXXX taxes that I would have to go after him, but at this point I would get no money. He offered little help and showed no concern that he did do his due diligence acting as my attorney. If the seller did owe XX/XX/XXXX he and the seller 's attorney should've made sure they were paid or I got credit. If the title company did estimate figures incorrectly at closing and he was aware of this, he should've stopped the closing process until they were done right. This is my first home purchase and this has been a very stressful experience by far. Since my XX/XX/XXXX taxes have been taken out of escrow my mortgage has again increased to {$1700.00} effective XX/XX/XXXX. My escrow account has not been refunded and I am left stuck with being penalized for XX/XX/XXXXtaxes and nobody will do anything to correct this error. This is my last recourse, as I am depleted of the little savings I had to pay the overage and have fallen behind in other bills, including my mortgage payment. My credit has suffered and I am at a loss. Please help.

Company response to consumer: Closed with explanation