BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Paid off XXXX mortgage in XX/XX/XXXX of 2022 have proof of payoff but they are refusing to release the deed of full reconveyance have contacted them several times through phone calls and emails still have not received the deed. My mortgage company is loan care account servicing phone # XXXX address XXXX XXXX XXXX XXXX XXXX az XXXX. My home that I paid off is in Alaska

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 2023-05-30
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, 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 had an open account with Wayfair through Comenity Bank. The company decided to change lenders to XXXX. Individuals who had the credit with Comenity bank were not offered the opportunity to switch to the new credit issuer. My account was closed and as a result, I paid my balance in full. I did not receive any additional information concerning the account until 2 months later where I was informed, by mail that I was past due for the amount of {$12.00} dollars. This amount was posted on my credit report as I owed {$12.00} and that I had a delinquent account. I have not been late on any payments or have any late payments on my credit report because I was in the process of purchasing a home. I had no way of knowing that I was charged anything on my account, which later I found was for interest after they closed my account. Since my account was closed, I did not have access to my online credit account. I disputed this account multiple times with the credit bureaus and spoke Wayfair directly and was informed that it would be removed from my account. The delinquent accounts are still on all three of my credit accounts. I would like the accounts removed as the {$12.00} was removed from the account by one of the Wayfair representatives and I was told that the delinquent report would be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
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:
This is the several time that I am disputing, yet the erroneous items still remain, I am redisputing again as a follow-up that the disputed items must be deleted because I have no affiliation with them. 

Kindly remove the following items for I have no relation with them : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 2023-07-03
Company: Experian Information Solutions Inc.
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:
The salesperson claimed that they will be making a soft inquiry on my credit score. I reconfirmed it and he reassured me. 

5 minutes later, I receive a notification on my Experian app that a HARD INQUIRY was made. 
Finance manager came out and I asked him about it. He was adamant that it wasn't a HARD INQUIRY because that only happens for banks. 
I asked him to send me an email to support this claim. He refused. 

Dealer in reference 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 explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When I was a teenager, my mother opened an internet and cable account with XXXX XXXX using my name and social security number. I was unaware of her actions, and she never once told me she had done so. 

Sometime in XX/XX/XXXX I received communications from a debt collection agency, XXXX XXXX of XXXX Florida regarding an unpaid debt with XXXX XXXX. After our initial contact, I spoke with my mother about this debt. She admitted that she had opened the account, and had never paid the final bill after moving. As such, I was stuck with the remaining debt and collections that were now added to my credit report. 

I contacted XXXX XXXX again in XX/XX/XXXX, and paid the balance of {$110.00} in full to avoid any more negative history on my credit report. At this time, I requested to have this negative remark removed from my report, which was promptly denied. 

This negative remark on my report caused issues while applying for various lines of credit in the years XX/XX/XXXX and XX/XX/XXXX, which pushed me further into a financial sink hole, while I was trying to fix and rebuild my credit. I contacted XXXX XXXX again during this time period, and was once again denied my request to have this negative remark removed. 

Flash forward to XX/XX/XXXX, and I am finally learning the ins and outs of how credit works and I am actively making sound financial decisions in order to build a solid credit history. This negative remark on my credit history, which is due to no fault of my own, is causing issues with my current credit health again as I am trying to access and utilize new lines of credit. 

I contacted XXXX XXXX a third time on XX/XX/XXXX in an effort to have this negative remark removed from my credit report, and was again denied.

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 2023-11-27
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with the XXXX XXXX a subsidiary of First National Bank of Omaha. XXXX XXXX is a privately held e-bank, FDIC-insured institution, that is not affiliated with the Federal Reserve System . 

Since XXXX I have been making ACH transfers from one of my XXXX XXXX accounts. Out of nowhere, XXXX XXXX  restricted my ability to withdraw MY money from my savings account. XXXX didnt give me any explanation or inform me of how long this restriction will be in place. XXXX claims they are investigating suspicious activity I invited XXXXXXXX   to check my credit report and contact the FBI and the IRS. They responded by asking me for an ID and a XXXX XXXX statement and the restriction continued without an explanation. They sent me an encrypted email to which I should reply and attach the information requested. The first reply to the encrypted email was not successful so we did it again. I have asked for three consecutive days if they received the information and they have ignored my emails. 

Bottom line, XXXX is blocking MY money, turning my savings account into an irretrievable deposit, and ignoring my emails. Can the investigation continue indefinitely? How can the bank regulators allow this abuse to happen? Even the police are required to show cause to act, but not the bankers. XXXX XXXXXXXX  is acting more like a scam than a legitimate bank. 

Profiling based on perceived race, ethnicity, national origin, or religion is patently illegal, it violates the U.S. Constitutions core promises of equal protection under the law to all and freedom from searches and seizures without evidence of criminal activity. Accordingly, show me the evidence of criminal activity or lift the restriction.

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 2023-05-30
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:
This is XXXX XXXX please 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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from 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 explanation
Consumer complaint received 2023-12-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management is attempting to collect a debt that never belonged to me. 
The debt is a result of Identity theft. I am a victim of Identity theft. This debt has never belonged to me. XXXX is demanding that I pay XXXX for a fraudulent debt that occurred as a result of my personal information being stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-07-18
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received " Electronic Service Requested '' from " IC System '' for a dentist in another state that I have never heard of or received service from. The Company states I went to as dentist, XXXX XXXX XXXX, XXXX on XX/XX/2018. I have not been to a dentist in over 2 years. The last dentist I saw had a different name and was with a well known company. 
A person called me from XXXX which is a XXXX number. " IC System '' states they are from Minnesota, and the only dentist I can find with the name " XXXX XXXX XXXXXXXX '' is out of Maryland. 

I called XXXX, who stated they would send an itemized bill for services I never recived in the amount of {$150.00}.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: IL
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:
I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section 623 ( a ) ( XXXX ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not one in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both XXXX  and XXXX  have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent.

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on XXXX, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: DISCOVER BANK
State: CO
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:
On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were XXXX fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, XXXX of the XXXX were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those XXXX were XXXX and XXXX 's XXXX. The XXXX fraudulent account was created through Discover Bank. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account # XXXX ). Then I tried to reopen the investigation ( case # XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this Discover account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: KS
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: WI
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Account : XXXX XXXX XXXX # XXXX 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 of 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 2023-12-06
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
We reached an 80/20 LTV ratio and sent a letter requesting the cancelation of PMI. The letter included the information required as laid out on our lenders website : explicit request to cancel PMI, loan number, the date, and the signatures of all borrowers. Our loan is current, and our payment has never been even 1 day late. ( Of note, our loan was recently transferred to this lender, and they have compromised my personal information with their poor cybersecurity practices. ) Our current principal is {$270000.00} and our original value in XX/XX/XXXX was {$350000.00}. The lender is refusing to remove the PMI even though we have met the requirements unless we pay for an appraisal to prove the value has not decreased. Their website says an appraisal is required if you have not yet met the 80/20 requirement of the original value to verify the current value meets this LTV. However, we have met the LTV of our original value. Additionally, housing everywhere has increased in value since XX/XX/XXXX, and mortgage lenders are very aware of this. This is intentional to receive more than they are entitled to by the terms of our loan and to continue to reap excess profits by making it very expensive for us to remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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 submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

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