BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2020-10-04
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:
Credit reporting agency keeps reporting a fraudlent account that has not been verfied correctly.I have also filed a indentity affadavit with the ftc on the fraudlent account. The account is XXXX XXXX in the amount of {$560.00}

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 non-monetary relief
Consumer complaint received 2019-10-25
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX erroneously charged me for a 2nd account when I moved in 2017. They then turned me over to Credit Protection Association of XXXX TX, a collection agency. I disputed the charge with XXXX. CPAssoc & XXXX. 
I paid my last bill of {$170.00} on XX/XX/2017 for XX/XX/2017. Then paid {$33.00} for the 1st week of XX/XX/2017 after I moved. 
XXXX screwed up by shutting off my service 5 days early - on XX/XX/2017, so they opened a new account for the next 5 days.These unpaid charges should have never existed. 
The collection agency refused to discuss the problem. XXXX   evidently contacted only the collection agency.

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 2017-12-10
Company: Experian Information Solutions Inc.
State: NJ
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:
The company XXXX XXXX put a 30 day late after I closed the card account they were still accepting debits after I closed the account. They apologized and agreed to checl notes and offered to remove the late and convinced me to stay with them and so I did.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-02
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion disabled my login. Stopped online logins. 
Could not comply with a soft copy of my credit report. I was actually told it was illegal to mail me a report to my XXXX  address. Since my last report was dated XX/XX/2022- they are telling lies. 

Phone agent was also rude and kept talking over my replies. would not connect me to her supervisor. 

XXXX also doesn't work for my location either. 

It appears Transunion can't sent send me a credit report at my address or online. XXXX XXXX have the right to receive credit reports even if they live overseas. 

Told to call back at XXXX from 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 2019-03-13
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:
On XX/XX/19, I sent a follow up letter to Experian requesting they re-investigate the verification of a collections account with the company : XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or e-oscar verification would not be accepted. XXXX did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. Thank you for your attention in this matter.

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 2019-10-25
Company: Incomm Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2019, I purchased a {$200.00} gift card from Vanilla Visa. It was stolen the same day. I contacted the company to file a claim and complied with their documentation requests. To date, I have received no response or updates to the filing. 

I called today for a status check and was basically told that the information that I filed with the m was " invalid ''. Why, I asked and was informed that it didn't have my name and address. While we were talking, I was looking at copies of the information that I submitted and seeing the very information that they were telling me was missing. It was suggested that I send it in again. If the information was " invalid '' wouldn't they just reject it again? Same answer. I asked for a manager - same answers. I asked for a corporate person and was given a phone number, XXXX XXXX XXXX. I called that number and was told that they didn't handle customer service issues ... I should call back to the previous contact. 

I obviously wasn't getting anywhere so I am taking this step because your office has been of great assistance in the past. Hopefully, you will be again. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: PA
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 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 2021-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
I have a fraudulent account on my credit report that I have never heard of.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: BARCLAYS BANK DELAWARE
State: MN
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:
In XXXX and XX/XX/XXXX I purchased several airplane tickets on XXXX XXXX. Due to the pandemic, the flights were cancelled, thus we were unable to use the tickets. XXXX XXXX refunded all three of the transactions to my credit card company, however I have received only 2 out 3 credits in my account. My credit card is refusing to credit my account for the 3rd and final refund, despite numerous calls, emails, and letters, including providing them proof of the refund from XXXX XXXX. 

XXXX XXXX processed the last and final refund of {$1300.00} on XX/XX/XXXX, and confirmed as such in a conversation with me on XX/XX/XXXX. ( I can provide a screenshot of our XXXX conversation ). Since that time, I called my credit card 's hotline several times, speaking for 45-60 minutes at a time to get the funds credited to my account to no avail. I was promised verbally by an agent on a call which took place on XX/XX/XXXX that I would be paid by XX/XX/XXXX. But, yet again, the funds have not been credited to my account. 

Name of merchant : XXXX XXXX Date of the transactions & amount : XX/XX/XXXX - {$620.00} <<< this transaction was refunded and credited to my account XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$790.00} <<< this transaction was refunded credited to my account

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 2016-07-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Morning, Today I ask for help, because I 'm trying to do the modification of loan, a few years ago with NationStar mortage, all because my rate this very high XXXX ( rate ). Already sent the documentation for them as not reach my goal.Find a lawyer who promised to help me.Make paid like it, she Recommended then she disappeared with {$3500.00}, and i have the receipt from the bank. Then I return to square XXXX .Find another lawyer who did all procedures, which also failed to further discovered that it was doing wrong according to the bank. In short I am in Foreclosure sale for XXXX/XXXX/XXXX at XXXX XXXX I need help because I do not want loose my house. Because in XXXX my house bought the same {$500000.00} and gave XXXX. I do not have anything, only my home. They can help me need urgent.Please. 
Every lawyer contact me saying going to help is Scam.URGENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: OR
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:
I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX validating this. I had XXXX, followed by the XXXX in XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with Experian to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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

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 2017-12-21
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my FHA Streamline Refinance at the end of XX/XX/XXXX with New American Funding. At that time NAF took 60 days of escrow. They stated they would be able to float the {$5200.00} that also needed to be applied to escrow. Prior to funding, I sent them a check in the amount of {$5200.00} to be applied to escrow and it was debited from my bank account on XX/XX/XXXX. 
All was well until I received an unpaid tax notice for my county taxes around XX/XX/XXXX. Why were these not paid is due to the company did not pull a recent tax cert but used one that was pulled at the time of application a month prior. I immediately called and it took a month to get my taxes paid and the issue resolved, I have emails of them admitting fault to this as well as them absorbing any and all fees that were related to the latency. 
I thought all was taken care of until I received a letter XX/XX/XXXX stating my escrow had a shortage and my mortgage payment was going to increase by $ 300-400 per month to repay the shortage. The reason for the refinance was to lower my payment not increase it by hundreds of dollars. 
I called on XX/XX/XXXX to resolve the issue and a gentleman with the escrow department ( very very helpful ) researched and did all he could. We found that only {$1100.00} was allocated to my escrow at closing ( 60 days worth ) This was out of his job grade and he had to escalate. I waited for two days for someone to respond and nothing. I then called yesterday XX/XX/XXXX and spoke to a customer service agent who then escalated. This customer service agent stated that there were notes that it was being researched and I spoke to another specialist on the XX/XX/XXXX that was working on it. That XX/XX/XXXX conversation never took place. I received an email the evening of the XX/XX/XXXX from the Director of customer service stating she is now researching and will get back to me when she has a response and has researched. 

Several violations have taken place here within RESPA guidelines and I am sure you CFPB is aware. 

Bottom line is ... I have no urgency from New American Funding to get this resolved. 

My {$5200.00} that was to be applied to my escrow is missing. They now state I have a shortage. Where is my money? I just want that amount applied to my escrow and this would all be resolved. 

Taxes were not paid at closing which is a violation. I would have never escalated this to the CFPB other than the fact that I have no urgency from them. Being in the XXXX XXXX   myself for many many years and fully understanding RESPA, TRID REG B etc, I am shocked that a mortgage company would act in this manner and not provide some sort of resolution for their borrower. 

Another note ... The CD and LE do not match even after I brought it to their attention which may be another reason I escalated this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 I called my mortgage company and asked how can I catch up with my mortgage? After trying to get me to pay some balloon payment for a year I told them I couldn't afford that. Mind you I'm only 2 months behind, then they suggested a loan modification. With no one completely explaining the matter to me and making it sound so simple I agreed. The company has been dragging me along for 3 and a half months. Now we are in foreclosure status and they had a sale date for next month but it was canceled. Everytime I call in which is 2 or 3 times daily I get a different reaction. They need this and they need that so I send it and 2 days later they need something else this has been going on for months now and is still happening until this day. Every representative tells you something different but no one solves the problem. This is the worse experience of my life been in my house 12 years with no issues until now can anyone tell me where this company came from.

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 2023-03-10
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AR Resources posted a collections case that I do not recognize on my credit reports with. AR Resources did not contact me prior to posting this on my report. They provided no notice, no opportunity to dispute the report, etc. This just appeared on my credit. 
After seeing this unknown collections item, I have attempted to contact AR Resources via email, fax, and USPS mail. I've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit, causing a credit score decrease of over XXXX  points. 
In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm.

Company response to consumer: Closed with explanation