BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I filed bankruptcy XXXX of XXXX. After it discharged, there was a reporting of a loan that was included in the bankruptcy. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in bankruptcy, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed bankruptcy for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX BANKRUPTCY AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & out # XXXX, 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 XXXX 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 a 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 explanation
Consumer complaint received 2021-07-30
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Aspen XXXX, a/k/a Gregory Funding, is using deceptive and abusive practices to confiscate funds that are not in keeping with the strict adherence of the Deed of Trust. I have entered into an agreement with the county to compensate me for the easement for a partial taking. Gregory Funding is stating that their secure instrument requires that they are entitled to the funds, when it is clear that their formula and their interpretation of the loan document states if the partial taking is equal or more than their secured instrument. They are holding up on the Consent of the Lender letter required by the county in order to allow payment to me the borrower. The payment is in the amount of {$66000.00}. The Lender wants it applied to the mortgage, even though they are completely secured and the value of the property is approximately {$100000.00} more then the principal. They are not applying the Deed of Trust instructions in securing an appraisal immediately before the partial taking and the payoff immediately prior to the taking. The Lender will not be reasonable even when it was offered to divide the compensation due to the owner equally with the Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX or around that date or week, i had {$500.00} stolen from my bank account in {$19.00} increments, the moment i woke up around XXXX or XXXX XXXX  it happened and i immediately called my bank and they helped me, i got a new card and a temporary card to use. the person who took my was named XXXX XXXX and the description of the transaction said MOBILE PURCHASE XXXX FL, I am in California, i woke up to a message saying i need to change my address on ups, i believed it because i had bought something online that same week. but they got my info some how. so i called, and they told me they'd handle it, i got my money back and got a temporary card and changed cards to a new one, then on XX/XX/XXXX, I got a temporary credit reversal and the bank took back all {$500.00} back away from me, how is that fair? the proof is in front of them. im in California not Florida and why would i send away {$500.00} in {$20.00} increments. I called them again on the XXXX and 2 out of the 3 people hung up on me. then again on the XXXX because i had to wait for this department to open. and all they did was reopen the claim again and told me to wait up to 45 days, i do not wan na wait at all, i need my money back now, that is my rent money that i need. that is their fault for not protecting my money. not mine. any way you guys can help me. if i can't get my money back im going to change banks. i will be showing two pictures attached, one to show the transactions from the person and where its from, and my new card on the left that i asked for the morning of my money was stolen and my old card on the right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I transferred {$380.00} to another Zelle user using my XXXX  XXXX XXXX app to pay for concert tickets. The zelle  user is XXXX XXXX ( Cell XXXX ) ( Email XXXX ). The user took the money and never delivered tickets despite sending emails and texts representing that they had tickets. I tried to dispute with XXXX  XXXX XXXX which represents Zelle as being secure but it is not. I also tried disputing with Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.

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 2023-10-12
Company: SYNCHRONY FINANCIAL
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:
PayPal reported two accounts to XXXX. I have no open accounts and no balance due. I was not aware of two accounts, only one. It was paid off using PayPal phone payments months ago. Two days ago my Credit score with XXXX was XXXX the unauthorized open account reported to the credit bureau dropped my score XXXX points. My accounts are paid in full. This error will delay or cancel my loan for medical procedures. 

These accounts must be closed and show paid as agreed.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX 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 2023-08-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have never had credit with or an account with agency. illegal 3rd party reporting inaccurate financial information damaging / defamation of character with intents to harm credit score an decreasing chances of obtaining new creditor

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2020-03-06
Company: Experian Information Solutions Inc.
State: UT
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:
Please shut down Experian Credit Company. Their information is never current, and they are almost impossible to contact, or to get inaccurate information corrected, yet they are a main source of information from some groups such as auto loans or mortgages in consideration of loan. I received a notice my Experian score dropped to XXXX! No reason given. Also, XXXX XXXX XXXX has sent correction update status to the credit bureaus removing a 30 day past due entry. Experian has not updated this even though I have submitted several complaints through CFPB and directly to Experian. This is having a negative impact on my 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 2021-07-30
Company: AMERICAN EXPRESS COMPANY
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:
There seems to be an American Express account open in my name or a similar name to mine, and I, on the other hand, never make a late payment. I always have paid my debts, and times I do not have any cards that I was late, so this is ridiculous to let this go that far. Plus, I never opened her American Express. Its not my account, and I do believe that this account belongs to my former roommate, XXXX XXXX XXXX, who either used my name when he opened it or just added me as a co-signer. It seems like the credit card was open in XXXX or XX/XX/2020, and its got defaulted, and XXXX or XXXX, and the credit limit shows XXXX, but the balance shows almost {$6000.00}. Would you please help me to take it off my credit report? I did try contacting credit report and agency XXXX, and they twice to do told me that its going to stay the way it is, which is ridiculous. Would you please help me? Im just trying my best to live in these challenging times without any problems, and I dont need this in my life right now. Would you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Experian Information Solutions Inc.
State: NV
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 have attempted countless times to correct misinformation on my credit files with XXXX, Experian and XXXX. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.

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 2023-08-09
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: MA
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 am writing to officially file a complaint with the Consumer Financial Protection Bureau regarding erroneous information present on my Experian credit report. Despite my initial communication with Experian on XX/XX/XXXX, I have not received any response or corrective measures until the present date. The following outlines the inaccuracies that necessitate immediate attention and rectification : 1. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I am formally requesting the verification of information related to the XXXX account. Specifically, I am uncertain about the accuracy of the reported balance of {$440.00}, as this amount appears significantly higher than what I recall owing. Given that Experian has classified this account as closed and charged-off, it is inappropriate to display a Past Due amount. In order to address this discrepancy, I intend to directly communicate with the creditor. During this process, I kindly request that you mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I urge you to validate and correct the Date Opened, Date of Status, and First Reported details associated with this account. 


2. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} I formally request the expeditious removal of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Experian credit report, as it is not associated with me in any manner. 


3. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Similarly, I request the immediate elimination of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Experian credit report, as it is not linked to me. 


4. Account Removal Request : Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$100.00} Additionally, I request the prompt removal of the 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 2022-03-15
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an ongoing complaint with Specialized Loan XXXX XXXX ( XXXX ). I filed my original complaint XXXX because I could not close on the sale of my previous on time because SLS refused to submit the pay-off timely. Then when we had a resolve SLS did not follow through on their commitment to making the refund timely. So I filed another complaint XXXX. 

I received my refund and took SLS at their word ; on XXXX XX/XX/XXXX " Your account no longer has a payment due. The current principal balance of the loan is {$0.00}. There are no funds held in escrow. There are no funds held in suspense. '' SLS further stated in their response on XXXX XX/XX/XXXX, " We have sent a manual update to show that the account has been paid in full... Your account no longer has a payment due. The current principal balance of the loan is {$0.00} ... the account is paid in full. '' Yet XXXX has reported to the credit bureau that as of XXXX I am 60 days delinquent in my mortgage payments. 

I have been denied for a mortgage twice since XX/XX/XXXX. In XXXX I applied for a mortgage loan from my past mortgage company and when denied had a long conversation with the representative. This is when she told me it would be difficult for me to get a new mortgage because SLS is reporting that I am delinquent even as of XXXX XX/XX/XXXX, that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please keep in mind my closing date was originally XXXX XX/XX/XXXX. XXXX is reporting to the credit bureau that I am delinquent in making payments on a {$0.00} balance, paid in full, closed 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