BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$12000.00} XXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.

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 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. AMERICAN EXPRESS XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: LendingPoint Holdings LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Apologies in advance, I did my best to pick the answers that best fit my particular situation. 

On XXXX. XXXX, 2022 somebody fradulently used my information to open a loan in my name for approximately {$10000.00} with LendingPoint. I first became aware of this in late XXXX / early XXXX and immediately reached out to the company for resolution and reported it on IdentityTheft.Gov. 

From the very beginning Lending Point has been very difficult to work with and saying that they need information. First they said that they need a police report to start their investigation. I did that. Then they said they need more, so I got what they told me they needed. Then finally i heard back from somebody who said they were actually investigating it. That person connected me to XXXX  XXXX XXXX where there was a fradulent account in my name that was setup. Whoever stole my identity took out this loan and transferred the money to a XXXX XXXX  XXXX account. From there, they clarified that I need more details added to the police report so that they can subpoena the bank records and finish their investigation. At every interaction ( email attached ) they have moved the goalposts and not done anything to make me feel at all confident that they are actually investigating this claim in good faith. On Monday I sent a version of the police report that was updated yet again and followed up with them on Thursday the XXXX. 

I got a reply this morning which I thought was very curt and in line with my experience with Lending Point : " Hello, Account was believed to belong to you. '' I immediately replied that it was not my account and I would like to see the results of their investigation but have not yet heard back. I am no expert on legal matters but if they needed that updated police report to get a subpoena, it seems like that would take more than 3 days. In addition, at the very least, the investigator should have reached out to me and elaborated on their investigation, not send just a short, dismissive email. 

I have attached my emails to my contact at Lending Point " XXXX '' and the Police Report. 

They are acting like I committed fraud over 10k, which I find to be downright insulting. I have a XXXX XXXX XXXXXXXX XXXX and am a XXXX XXXX in the XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I have no reason to commit what they are essentially accusing me of doing. They are acting like I took out this loan and am now going above and beyond to get out of it and are not being transparent in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
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.

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 inructions 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 explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: KY
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ 2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is week 2 and I am still asking Experian ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the Experian Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.

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 2023-09-21
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX, Planet Home Lending ( PHL ) conducted an escrow analysis and determined that I had an escrow surplus of {$2900.00} and issued me a refund check. On the escrow disclosure statement reflecting this change, it states that the amount of expected tax due was N/A. I even called PHL to verify that this was not a mistake, and I was told it was accurate. 

In XX/XX/XXXX, PHL notified me that I had an escrow shortage of {$4900.00}. PHL has currently refused to accept my refund payment of the previous escrow surplus. This shortage was used in PHL 's calculation to increase my mortgage payment from {$1500.00} to {$2300.00}. 

In XX/XX/XXXX, I called PHL to notify them that the calculations were inaccurate based on my taxes and the escrow surplus. At that time, PHL admitted that the escrow analysis that I received in XX/XX/XXXX contained errors. They were unable to tell me the correct amount of my mortgage payment until after PHL re-ran the escrow analysis using accurate numbers. 

On XX/XX/XXXX, I made my regular mortgage payment of {$1500.00} given that PHL admitted that the {$2300.00} payment amount was incorrect. On XX/XX/XXXX, PHL notified me that my new mortgage payment amount was {$2000.00}. 

On XX/XX/XXXX, I received a call from PHL, which I learned was a collection call. PHL stated that my mortgage payment made on XX/XX/XXXX was being held in a separate account because it was less than the required {$2300.00} payment. The same payment amount that PHL admitted was not accurate. When I addressed the discrepancy, PHL advised that they were unable to accept an escrow payment from me ( the return of the surplus in error ) until I paid {$2000.00} amount.

I was not provided with XXXX  days notice of the {$2000.00} payment amount and sent to collections within the same month PHL claims the payment was due. This can not be legal. PHL will not allow me to refund the escrow surplus payment which they issued to me and subsequently claimed I had an escrow shortage. They are using erroneous calculations to
charge me a higher mortgage payment and then changing it every other month. PHL is trying to make me pay a payment amount they told me was not accurate. PHL is engaging in fraudulent and predatory mortgage practice. Please help me resolve this issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-13
Company: Bridge It, Inc.
State: PA
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 XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and NAVIENT with no successful resolution. XXXX, XXXX, and XXXX are reporting me late. There was definitely an error on their part. I was never late from XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: LA
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-05-06
Company: Better Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At best, Better mortgage has been negligent. At worst, we are victims of malicious intent. 
After pre-approval, Better waited until the day of our financing deadline to look at our file. When they couldnt resolve the issues, issues that we had communicated early and assumed were handled, they decided to deny us. 

Our timeline : XX/XX/XXXX - Preapproved to purchase a home up to {$640000.00}. 
XX/XX/XXXX - We provided our contract to buy to Better Mortgage, with deadlines. 
XX/XX/XXXX - We clarified an income question on a call with our loan officer and were assured that we were still well-qualified for the home. 
XX/XX/XXXX - Financing deadline. 
XX/XX/XXXX - Better Mortgage reached out with the same question we clarified on XX/XX/XXXX. Better Mortgage asked us to extend our financing deadline. The seller refused. 
XX/XX/XXXX - Better Mortgage advised us that there is not a path forward and to pursue our application with other lenders. 
XX/XX/XXXX - Our target closing date. 

Our financial picture did not decrease in any way. It actually improved- we paid off credit card debt and saw our credit scores increase. 

Better Mortgage systematically was unreachable ( 4 day lead time to speak to our loan officer ) and did not communicate problems to us until the day of the deadline. They failed to process our information. We leased our apartment to new tenants. Our earnest money ( {$6100.00} ) is forfeit after they failed to meet deadline. We do not know where we are going to live after XX/XX/XXXX. 

We suspect Better Mortgage is denying us because they either do not want to honor our rate lock, or because they were delayed in our application, they do not want to honor their BetteXXXX Closing Guarantee, which promises $ XXXX credit at close if XXXX has to delay our closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Diverse Funding Associates LLC
State: NY
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:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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