BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: CMRE Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-12
Company: Experian Information Solutions Inc.
State: AL
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:
I have sent letters on XX/XX/2022 and again on XX/XX/2022, with no response from either consumer reporting agency ( Experian, XXXX, or XXXX. ) Also, I have called these agencies and the representatives have been unwilling and unable to assist me with removing these erroneous items from my consumer 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-09-08
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: OH
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 sent experian an FTC report on or about XX/XX/2022. experian refuses to block and remove the accounts itemized in the FTC report. I sent notice stating that This Identity theft report was not done in error or a material misrepresentation. If EXPERIAN believes i have received goods or services please have a senior executive certify under the penalty of perjury that i have in fact received goods or services as a result of these transactions. 
Experian refuses to remove fraudulent items that are DEFAMING the consumer and causing the consumer much stress due to fraudulent accounts reporting late payments causing my credit file and reputation to be tainted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
RE : AMERICAN EXPRESS SERVE CARD - Locked Out of AMEX SERVE Account - Funds Removed - Preparing to XXXX American Express ( XXXX ENTREPRENEUR ) Hello, I loaded {$100.00} on my Amex Serve card on XX/XX/2020. On XX/XX/2020 I was locked out of my account, my account was at XXXX ( no transactions were made ), and I have been calling every day, multiple times, on hold average 2 hours. As a XXXX entrepreneur, this situation has been distressing - mentally, physically and financially. 

American Express has locked me out of my account and removed my funds illegally and I am prepared to start a lawsuit on Tuesday, XX/XX/2020 if I do not receive my funds and have full access to my account. 

No one is answering the customer service line. I will no longer call, so this is my last resort before I open a lawsuit with American Express on Tuesday, XX/XX/2020. 

The following are examples of more American Express Serve victims : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank You, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
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:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-03-06
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-20
Company: Chime Financial Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I explained to the representative that I sent money to the wrong person and I had no way of contacting this person and could they please reverse the payment and put the {$70.00} back into my chime account and I filed a dispute but they still telling me I may not get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have not been late on this account. I have been paying them in agreement with my completed loan modification schedule. They are totally XXXX up my credit report with inaccurate information being reported in XXXX, XXXX, XXXX and XX/XX/2019. I need these alleged late pays removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022, Bank of America reported that I committed fraud a year prior. They stated I deposited a check that was reported by the issuer. I did not make this deposit nor did I sign this check the authorized user on my account did this without my knowledge or consent. As soon as I found out about the issue I paid Bank of America. They stated they closed my account, although I still receive statements on this account. I have have never committed any type of fraud and acting in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am complaining again about Specialized Loan Servicing who processes payments for my loan. My loan is an adjustable rate and per the terms of the note the payment was to increase due to the increase in the interest rate. 

However, instead of increasing my monthly payment decreased as did my amount paid towards principal. 

This company is inept. I have mailed them a letter stating the issues. 

XX/XX/XXXX is when the new monthly payment should have increased. 

Can you please help in this matter? 

Sincerely 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 2023-06-24
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:
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, Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 the information. Any other adverse items 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 non-monetary relief
Consumer complaint received 2020-04-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
With the current coronavirus situation in the country many people like myself are facing the fact that we are not able to work and are able to continue making the money we make to pay our bills Timely. I contacted my mortgage servicer - MR COOPER ( formerly Nationstar Mortgage ) - to find out options about deferring payments until I am able to go back to work since I have been laid off. my car loan company as well as my credit card companies have helped me with this problem. However my mortgage company is not allowing us to defer any payments the only option they give us is forbearance where they will allow me to miss 3 months of payments but on the 4th month I have to pay the current payment as well as the total of the 3 months that I missed. In other words I can miss 3 payments and when the 4th payment is due I have to pay FOUR payments in total that month or I risk losing my house and go in default. If I am laid off and can not make one payment what in the world makes them think that I can pay 4 payments at once?!! This is unfair practice and sets me up to lose my home. These situations in the country are out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: SC
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:
Discrimination and unfair equal credit opportunity from the credit reporting agencies has caused me ( the consumer ) an ordeal of economical and non economical damage to deal with on my own. The suffering have left me scared and damaged with plenty of proof to show for it. I am not able to obtain personal, family, and household services or products due to the credit reporting agencies disobedience and failure to carry out their responsible duties to insure the accuracy of my consumer 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 explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MI
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:
I never had a account with them. XXXX XXXX XXXX. I respectfully requesting that this account be removed asap because I have a right to privacy by the federal credit laws.

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 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have called several times a day for months by a robo number that hangs up when I answer. Sometimes I call back to speak with someone and I'm on hold for twenty or more minutes at a time. 

When I finally spoke with a " supervisor " about this matter, I was told I would be sued. I informed him that I needed to verify this was my debt and he in turn said his scripted message and hung up. The document sent by XXXX is a standard letter that anyone can produce. 

I also gave this company my updated address to receive the documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The following is a detailed account of the violations perpetrated by various creditors, which have had a profound impact on my life. 

Violation Details : XXXX, Account : XXXX Violation : Failure to remove inaccurate and unverified account from my credit report, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX, Account : XXXX Violation : Reporting inaccurate information and failure to validate the debt, violating FDCPA Sections 807 ( 8 ) and 809 ( b ). 

XXXX XXXX, Account : XXXX Violation : Failure to provide accurate and complete credit terms, violating TILA Section 226.6 ( a ). 

XXXX, Account : XXXX Violation : Inaccurate reporting and failure to provide debt validation information, violating FCRA Section 623 ( a ) ( 1 ). 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Reporting of unauthorized account without my consent, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX  XXXX | XX/XX/XXXX Violation : Reporting unauthorized account, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX, Account : XXXX Violation : Reporting unverified and inaccurate account, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 


I kindly request that the Consumer Financial Protection Bureau enforce the applicable legal provisions to rectify these violations. It is my earnest desire that the creditors remove these unverified and inaccurate accounts from my credit report, thus restoring my ability to secure credit, housing, and employment without unjust hindrances. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed with this letter are supporting documents, including copies of relevant credit reports and correspondence with the creditors in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution that will allow me to regain financial stability and peace of mind. 

Sincerely, 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