BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$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 2023-02-04
Company: Experian Information Solutions 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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2022-10-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original lender sold my mortgage to Lakeview Mortgage company over a year ago. I paid my first years XXXX years escrow no problem. Then the servicer for lakeview, XXXX servicer, sent a letter back in XX/XX/2022 informing me that my escrow balance was too low and requiring my payments increase from XXXX monthly to XXXX monthly. I was upset so i called and had a long conversation where they explained to me what happened. They told me that this change was only for XXXX months and to make up for a mistake on their end and that my home owners went up slightly. However, they were convinced that, after XX/XX/2022, i could resume my original payment. However, in XXXX, ironically, they changed service providers again, moving to XXXX XXXX servicer. Now they are telling me that very little came over from XXXX in my escrow. Now XXXX XXXX is telling me that i am projected to owe over {$400.00} in escrow at the end of the year. I need someone to help me find out where my money went and why this keeps happening. Please.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2019-12-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.

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 2023-02-04
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: Their investigation did not fix an error on your report

Complaint:
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : 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 2018-09-14
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Our company, XXXX XXXX XXXX XXXX, made a complaint in regards to this mortgage on XX/XX/XXXX, Thursday, and we were quickly given a response back from CFPB that Ditech did not have us listed as an authorized 3rd party, which is strange seeing that we have been communicating with Ditech since XX/XX/XXXX. I called Ditech today and confirmed that we are and since XXXX, have been an authorized 3rd party. 

In XXXX XXXX XXXX and XXXX XXXX received a cancellation of debt discharge from Ditech. Their mortgage was forgiven. XXXX XXXX was involved in several lawsuits for shady loan practices and Ditech is now new owner of those loans. In XXXX Ditech issued a discharge of the mortgage debt and sent XXXX 's to XXXX and XXXX, however never sent discharges to the registry of deeds which is REQUIRED by law in Massachusetts to occur within 45 days of the forgiven debt. Per Mass.  G.L. c.184, 17B Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the per-son paying off the loan. They received full loan payoff on XX/XX/XXXX, which means a discharge should have been recorded by XX/XX/XXXX of XXXX. That never happened. XXXX and XXXX are trying to sell their home. When title was pulled the mortgage was still on title. When we called to find out why a discharge was never recorded, we were told that the debt was still due. Both XXXX and XXXX had to pay taxes on this forgiven debt in XXXX, so for Ditech to say the loan is still due makes no sense. When we pushed further, they sent us a new XXXX with no information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You're in violation of the law! 

Until you can show me that you gave XXXX XXXX XXXX and XXXX XXXX XXXX, I demand that this data be removed. According to HIPPA, the health insurance portability and accountability act of 1966. I reserve the right to preserve my medical records, personal information, and privacy from all outside authorities. Send the proof to the address you have provided for me, please. The letter I'm asking to be delivered serves as confirmation, and I ask for all the information you got from the provider regarding the purported debt. 

FCRA is broken if you keep reporting this supposed medical debt without properly confirming it and showing me proof of my consent. You just have 30 days to delete this material, and if you don't, I'll start legal action.

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 2022-10-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, chime closed my account suddenly without any notice. I had my salary direct deposit that was suppose to come into my account on XX/XX/XXXX When you call chime, they dont help you and tell you to email them. And so I did. I emailed them and they said during routine security check, they needed to verify my identity. So I did. I submitted my license front and back. My utility bill and my passport. They renabbled my account again the next day. And then, on XX/XX/XXXX chime closed my account again after verification. And I had another paycheck coming in on XX/XX/XXXX. Not only did chime suddenly close my account without any notice. They messed up life to pay rent bills. I also have a XXXX XXXX XXXX. I contacted chime again and they said they closed my account due to internal policies. What on earth did I do? I am a XXXX XXXX XXXX Living paycheck to paycheck. I have a XXXX XXXX XXXX. They said they can not re enable my account. Man, chime messed me up in so many ways financially you have no idea. Im money less and I cant buy food or pay bills. I have no check till next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for forgiveness under the Limited PSLF Waiver program. The loan services provider that I am dealing with is Mohela. I submitted documentation on time during the window for forgiveness. I have worked at eligible employers, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the XXXX XXXX XXXX during the eligible period, from XXXX to present. Both employers confirmed my employment and I submitted supporting documentation. My application was submitted in XX/XX/XXXX ( prior to deadline of XX/XX/XXXX ). I consolidated my loans as required and they have been in forbearance since then waiting for a final determination on my forgiveness application. Just recently I received notification that said I was not eligible because I didn't not have any PSLF qualifying payments. But they based that determination by ignoring the last 13 years that I worked for the XXXX ( i.e. federal government ). I made all required qualifying payments. I have tried calling a number of times and am put on hold or given unhelpful responses that do not address the underlying issues. I qualify for the Limited PSLF Waiver based on the eligibility criteria that was provided through the Department of Education materials and website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a package that was temporarily lost I ordered via XXXX back on or aroundXXXX XXXX  XXXX for XXXX in total, XXXX for the transaction and the remainder for exchange fees. 

The recipient initially told me the package was lost and not delivered to the right location. This was in error. I had reported the package lost to Amex, who dispuited the charge. They reached out to XXXX, who placed a block on the sender, XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX has been unable to conduct business effectively because AMEX claims that their system was not sending automated communication to XXXX the issue is resolved. The dispute was rescinded on or around XX/XX/XXXX. Payment was made to AMEX on the accurate charge back on XX/XX/XXXX. This money is still not sent to XXXX via XXXX. AMEX is either intentionally or unintentionally keeping the funds. 

I have called weekly about this issue and spoken with a supervisor most recently on XX/XX/XXXX saying a technical issue never seen the cancellation to XXXX. 

This is well beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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 submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXXXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LCI, is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX XXXX XXXX Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. LCI is falsely stating this information on my credit report and have yet to remove this from 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 2021-11-16
Company: ROBINHOOD MARKETS INC.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am the victim of identify theft, which I reported the theft of my social security number and personal info to the FTC on XX/XX/2021. The thief opened an account at Robinhood. Robinhood is the subject of this complaint. I began notifying Robinhood on XX/XX/2021 -- a week ago -- that a criminal identity thief used my stolen information to create an account on the platform. I've sent emails to various departments at the company over the last seven days. Not once have they responded with substantive information. Meanwhile, a criminal is on the platform using my personal information to make trades. The account is linked to various fraudulent bank accounts. I can not access the account, Robinhood will not shut it down or even respond to me. There is no phone number for Robinhood. I went as far as to create a different Robinhood account to find a customer service number. The person on the phone refused to help, wouldn't let me speak, and hung up on me. I have no idea how else to stop the criminal ID theif from continuing to use the Robinhood platform -- with the company 's consent at this point -- from using the account. Robinhood has an utter disregard for criminal activity on the platform. The company refuses to assist a law-abiding person in protecting her name and identity from criminal misuse. In short, this company is aware of and complicit in criminal activity occurring on the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.C.Systems Inc- Date reported XX/XX/2021 in the amount of {XXXX} To whom this may concern : You have added a fraudulent collection account on my credit report and I need answers immediately and send debt validation or delete it immediately. 

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

I.C.Systems Inc- Date reported XX/XX/2021 in the amount of $ XXXX DELETE IMMEDIATELY Please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-06-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong to me!

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
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:
I sent a letters to Experian, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 


Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from 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