BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
Once again, Experian is reporting incorrect negative credit information regarding my mortgage with XXXX Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with XXXX, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both XXXX and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MS
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:
This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian XXXX to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. When I review my credit report I noticed that there are items that are misleading or erroneous. The items I'm disputing today have no affiliation with me or my transactions. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-07-26
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021. 
I requested information about a loan on a website. Rapidly the representative from Loan Depot XXXX XXXX, called me to offer their services. With the initial response that Loan Depot was one of the major lenders in the US. 

I told him I was looking for a XXXX loan to cover expenses related to attorney fee 's due to a lawsuit to recover Child Support money owed to me from my daughter 's father who is passed due about $ XXXX. 

I told the agent that I had just re-finance my home two years ago and I knew my credit was not the best and I was working on getting this repaired. 
He mentioned that my debt to Income was too high, which I understood because I'm self-employed and when doing my taxes I expense all of my business related expenses that minimize my income. 
He tried to continue to reach to me but since I had to attend other things in my life. I was not able to finish talking to the agent. I received several text messages from the loan officer. I responded that I was still interested in following up our conversation but I had not time at the moment. 

Today XX/XX/XXXX, exactly a month after I called the representative. I received a Loan Estimate with a Re-Finance at a higher rate of 5.3750 % for 360 months, with an adjustable rate of Initial Period to first Adjustment 84 months, and subsequent adjustment period of 6 months. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I tried to called the agent which did not responded. So I submitted and email to him explaining him that I had not accepted for them to first run my credit, furthermore to continue with an application for an ARM Mortagage that has a higher APR that I at the moment paying. Furthermore, the total amount for closing includes points which I never requested, in addition to the loan estimate is incorrect in both the liability and the assets section which is also a disregard for the customer 's request. 

The main reason why I'm writing to you is also because they send me the documents to sign via e-sign, however the button " I Do not consent '' can not be pressed even unchecking all the boxes. The only option is to accept the agreement. In this day where the online presence makes it easier for consumers to do things, in this case they take advantage and only allow the conveniently for them to say yes. This type of practices jeopardizes our less savvy computer citizens. Luckily, I have a little more knowledge and took a screenshot of such practices. Please look into this matter, it is not ok that just because they are trying to close a loan that they don't consider the best interest of the customer as per Tittle X this practices are deceptive, unfair, and reckless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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 belongs to someone else

Complaint:
In XX/XX/2019 it came to my attention that my personal information was leaked in the XXXX, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to XXXX, XXXX XXXX TransUnion. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

TransUnion, Equifax, Experian Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had my identity stolen and they applied for a lot of things Have a lot of collections that arent mine and hard inquiries that I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}

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 2022-03-31
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked My credit report and noticed that a collection account was added to my report without my knowledge. I sent out a debt validation and the company refused to validate my debt, violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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: Was not notified of investigation status or results

Complaint:
CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-05-13
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Ive had 2 Netspend cards. 1 for several years and the other opened in XXXX. My tax refund for XXXX was deposited in said account. So again my XXXX refund was deposited in the same account. Fraudulent charges were made on the account and card is no longer in my possession. So I file a claim. While waiting for the claim to be investigated I had called in to check the status. I was then told I was not myself, XXXX XXXX. I then lost online access to my account. I was asked to provide identification, which I immediately sent in. The following day I received an email stating my account was closed. After that date of being told my account was closed, my stimulus payment was deposited. I later received a letter stating the claim is now closed. Errors were found and any provisional credits given to me were now permanent. I then contact the IRS because I was unaware it had been sent to Netspend. They advise me that it was and that its very odd they havent received it back of the account were closed that banks are to send any deposits made to a closed account back within 7-10 days. I contact Netspend regarding the money that the claims were made about and why I havent received a check. They have told me over 3 dozen times that it is being investigated by their fraud team. But the claims already been decided in my favor? They also are investigating my stimulus deposit. But my account was closed so it should have been sent back? 
So whats happening is Netspend is not able to differentiate the two IRS deposits and are leaving me without my money. They are also illegally holding deposits made to a closed account. Ive contacted them by email and phone around 70 times and no one is ever able to assist me. They will not release my money to me. Ive contacted corporate and they have not helped either. Netspend has been sued by the FTC for the same exact tactics. 
I just want my money from my tax refund returned to me and my stimulus payment returned to the IRS so they can mail me a check. Its disgusting that a company would hold citizens money at a tile when so many have been displaced from their jobs.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Late Payment {$5800.00} XXXX XXXXXXXX XXXX XXXX Late Payment {$10000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$9000.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: Movement Mortgage LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a settlement on XX/XX/XXXX closing by XXXX XXXX XXXX a title company for a mortgage obtained by qualifying me as the borrower the mortgage company was Movement Mortgage. My complaint is that the loan officer XXXX XXXX XXXX XXXX and assistant loan officer XXXX XXXX XXXX XXXX refused to allow me to decline the escrow impound and the advanced corporate cushion despite my meet qualifications 40 % down payment and my good credit with no 60 days late after numerous requests. The most recent request made to return my escrow impound and the two advanced corporate cushion was made on XX/XX/XXXX with the same answer given which was this isn't something we can help you with. I have notified the underwriter and have not gotten any response and I have sent an email to corporate as well. The option to escrow or to decline was marked x to escrow by the loan officer not by my mark or hand. I was not given the option to escrow or decline because no option was offered. Acting discriminately the loan officer made that decision despite my wishes to decline escrow which I have done many times in the past having qualified with a 40 % down payment and good credit there was no reason not to offer me the two options which were never offered nor discussed so I plea to ask for my escrow taken against my wishes and wish to open a complaint of discrimination acting outside the requirements of Banking regulations both loan officers XXXX and XXXX. I kindly ask that my escrow be returned to me in the amount of {$10000.00} and a cushion amount {$3000.00} as stated on page 4 of 5 in the Loan disclosure document that I will provide as well as the emails sent with the request denied yet again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud on this account. 
I need all negative marks off my credit reports.

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