BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: ME
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:
This complaint is in reference to my prior complaint against Experian, which is CFPB complaint # XXXX, which I filed as a result of Experian 's complete and total failure to respond to my XXXX letter, demanding they provide me with their METHOD OF VERIFICATION for an account that is falsely reporting in the derogatory. I XXXX of 2021, I sent a XXXX letter, exercising my rights under FCRA, which states that, upon request, the credit bureaus are required to provide THE METHOD OF VERIFICATION that they used to " verify '' an account as accurate, including the original contract containing any signatures. Experian entirely failed to do this. Instead, they simply opened another dispute on this account, only to almost immediately come back and, once again, verify it as " accurate. '' Experian has BLATANTLY violated MY RIGHTS under FCRA by refusing to provide the information that I am fully entitled to, so I filed CFPB complaint # XXXX stating that since they failed to send me the method of verification for this account within 30 days ( they did not end it AT ALL ), they are now required to IMMEDIATELY DELETE this account from my credit report. In response to CFPB complaint XXXX, Experian stated , " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. '' THAT IS NOT WHAT I ASKED FOR!!!!!!!!!!!!!!!!!!!! I CLEARLY stated in CFPB complaint XXXX that Experian is now required to DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY for failure to respond to my XXXX letter and provide me WITH THE METHOD OF VERIFICATION with which they are verifying this account. Therefore, my next step is to file a LAWSUIT AGAINST EXPERIAN for flagrantly VIOLATING MY RIGHTS under FCRA by failing to respond to my XXXX letter and failing to provide the documentation that I am entitled to.

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 2021-07-26
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We had a line of credit on our home and it was serviced by Specialized Loan Servicing. We paid of the line of credit and desired to close the line of credit. The fine print says and we have documentation to support this statementment attached : " If the borrower makes a prepayment during the first thirty-six months after the agreement date, the Holder may collect a prepayment charge of two percent ( 2 % ) of the outstand balance on the line of credit at the time of prepayment. We had a {$0.00} balance on the loan and proceeded to close out the line of credit. We received a bill in the mail for {$4500.00} to allow us to close out the line of credit. We had to pay it because they refused to follow the fine print and we needed to close the line of credit at that time. We initial sent correspondence to Specialized Loan Servicing and they continue to delay and have stop responding now. After many phone calls we were told to send an email to them and that started in XX/XX/2021. I have attached the continued mail correspondence as they will not communicate over the phone or via email with us regarding the issue. We want our {$4500.00} refunded as it was not legally collected from us but we had no choice but to pay to move forward and close the account. We spoke with the lender that closed the loan and he said he agreed but we would have to go through the SLS company and he would not be able to correct the problem. The lender is XXXX XXXX  but they only refer us to the servicer SLS. And they keep sending letters saying they will get back to us in `15 days and then an

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 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dispute six accounts on my XXXX credit report they have been closed, charged off, written off and it is still showing a balance state of Michigan reported an account that has no lender or bank lender attached to it. I disputed these things because they are supposed to be removed off of my credit report. Accounts are showing written off or charged off and they still showing a balance which is against the law. Fraud during lent with addresses that I have not resigned that also names on my credit report that are incorrect, and I would like them to be removed, as well as the addresses that I do not reside at. And all of these issues are from XXXX credit bureau.

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 2021-02-11
Company: Conn's, 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:
Conns XXXX XXXX is reporting negative inaccurate information on all three credit bureaus and this negative impact is keeping me from purchasing other credit options. 

All information is regarding account number XXXX Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX & XXXX. 

Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX, XXXX Conns reported to XXXX I was ate for the year XXXX for the months XXXX, XXXX, & XXXX and XXXX for the months XXXX, XXXX, XXXX This is inaccurate information and also I believe my account is mixed up with someone else account. This company by law is required to report accurate information and this is deemed not accurate. Please assist with getting all inaccurate late payments removed from my credit report based on of Conns reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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:
My name is XXXX and I disputed some information on my credit report. My identity was used without my permission to open items with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other collections. I disputed this with the XXXX bureaus on XX/XX/XXXX and i received a response from XXXX & EXPERIAN saying I did not authorize this dispute.

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: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I banked with Wells Fargo between XXXX. Had constant issues with unauthorized withdrawals, frozen accounts, unable to close it after I had tried several times.

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 2023-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Unfortunately, my vehicle was stolen in XXXX and again in XXXX. To make matters worse, my wallet was inside the vehicle at the time, which contained my Social Security card, driver 's license, and passport. 

As a result of this unfortunate event, I have become a victim of identity theft. Unauthorized individuals have opened multiple accounts and undertaken various activities under my name without my consent or knowledge. I am extremely concerned about the potential consequences and implications of this situation. 

I urge you to take immediate action to address this matter and provide any necessary assistance. I kindly request that you freeze any accounts associated with my name and take appropriate measures to prevent further unauthorized activities. Additionally, please let me know if there is any documentation or evidence required from my end to rectify this situation promptly. 

Furthermore, I would greatly appreciate if you could share any recommended steps or procedures, I should follow to mitigate the damages caused by identity theft. Any guidance or support you can provide in this matter would be invaluable to me. 

I understand that dealing with cases of identity theft can be complex and time-consuming, but I truly hope for your swift action and utmost attention to this matter. I trust in your expertise and ability to handle such situations efficiently. 

Your immediate attention to this matter is of the utmost importance to me. Please acknowledge the receipt of this email and indicate the steps you have taken to address the identity theft and unauthorized activities. 

Thank you for your understanding and cooperation. I eagerly await your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: MI
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 have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2017-10-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sold the House at XXXX XXXX XXXX, XXXX, NC, XXXX as short sale. MY name and my wife 's name on the house. Nationstar Mortgage approved the last offer after they denied two offers before. 
After the process of the short sale completed, Nationstar Mortgage ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) issued two XXXX form for year XXXX, one for me and one for my wife with {$22000.00} each. 
MY tax accountant used both forms Total of {$44000.00} as income with our income tax for year XXXX, which effected on our refund amount. 
I have called Nationstar Mortgage to discuss those two forms because the amount of {$44000.00} is too high. They mentioned they have lost only {$22000.00} because of the short sale. I have asked them to send me a new XXXX with my name and my wife name with total amount of {$22000.00} because we file joint income tax or send me two XXXX one for me and one for my wife with {$11000.00} each ( $ XXXX ). Also asked them to send me itemize document to show how they lost {$22000.00} I have called them three times until now I have not received any response from them. 
I have attached some documents for your record. 
I appreciate your help to get them fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Personal information needs to be updated. See the file attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CITIBANK, N.A.
State: KS
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:
Citibank recently closed my account, because they stated I mispresented disputes. I spoke to their executive office team member named XXXX, and she only provided me with a few specific examples but stated there are more. XXXX stated I was given permanent credit with no additional documentation required due to the dollar value of the disputed amounts. Moreover, Citibank also paid the merchants on these disputes when the merchant stated he or she believed the charges were valid. Then, Citibank wrote off the amounts. They never followed up with me for additional supporting documentation to support at any time during the dispute process, including after merchants ' claims. 

I have repeatedly e-mailed billing disputes asking for all documentation including the merchant response on my disputes. I have received very little from Citibank to date. I have called the dispute 's department and asked them to provide me with a list, but they stated I have to put in a request on each individual dispute. Obviously, I don't have all day to spend on the phone, especially when it is clear that their billing dispute 's team doesn't even understand what is going on. 

Today, XXXX, I called in to speak to a billing dispute representative to get information on some of the disputes. I called around XXXX and the rep 's name was XXXX . She was insistent that the merchants were not paid on specific transactions and that Citibank would not pay out twice, stating permanent credits were issued in my favor. I asked to be transferred to a supervisor. I was left on hold. The phone call lasted nearly 25 minutes before I finally hung up and decided to put the requests in to the CFPB. 

Previously, I spoke with XXXX in billing disputes on XXXX. He was able to give me specifics, but I am still worried if I was given correct information by how much I had to press him. 

Obviously, due to the number of disputes, I am going to have to attach them. Because of the way the CFPB formats complaints, it will lump the complaint into one paragraph which will make it difficult for Citibank to comb through each dispute and to get me the right paperwork along with the right response. I am including all the disputes listed on my account summary from XXXX to XXXX. I have included the dispute numbers, the merchant, the purchase price, and the disputed amount.

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 2020-02-17
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Citibank ( LLBean Visa ) wrongly reported high credit usage to XXXX that downgraded our credit rating from Very Good to Good. We regularly use a large % of this credit card and pay ot off completely each month, often early. Yet Citibank reported unusually high credit usage. XXXX did nothing when we disputed this reporting. No one at Citibank has been able to help or explain this sudden credit reporting change. It appears that Citibank is abusing its power by penalizing customers who do not agree with their XXXX policies.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate.

Account name XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

I attached a consumer report as evidence.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2023-05-10
Company: EQUIFAX, INC.
State: NC
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 explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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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 2023-07-05
Company: Lendbuzz Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I finance a truck in XXXX dealer name XXXX XXXX XXXX give them XXXX in down payment more XXXX for plate My bank finance its Lend buzz Pass 2 months the dealer closed and never give my tags And I still make all monthly payments right Pass 6 months at day XX/XX/XXXX at XXXX XXXX  a town company come and Towin take my car. 
I stop by at police station the told me my car have been picking from the bank, I call the bank they says the dont have anything we this, I stop by at DMV the told me the car never has been transfer for my name and the car lend holding its not my bank its a credit union, all my personal items its inside the car iDs, SSN , drive license, bank cards. For me goo get my stuff I need to pay XXXX just for pick up my personal items. 
For all this 6 months I us make alright payments XXXX a month they take my car I did the complain at DMV ( complain number XXXX

Company response to consumer: Closed with monetary relief