BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
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: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to all three credit bureaus informing each of them that the information on my credit report related to Account XXXX is not accurate and their reporting was erroneous and harming my credit file. They have failed to respond to my request or provide any documentation confirming that they have truly validated/verified this information within the allotted 30 days and as of today the information for this account is still incorrect. 

I am not able to determine if this is my account due to the inconsistent, incomplete, and inaccurate information : 1 ) Name : XXXX XXXX XXXX XXXX Account : XXXX High Balance : $ XXXX {$13000.00} Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Opened : XX/XX/XXXX, XX/XX/XXXX Dispute Status : This account has been disputed with all bureaus, but not reporting Creditor Remarks : Inconsistent across all three bureaus Last Payment : XX/XX/XXXX, XX/XX/XXXX Past Due : {$15000.00}, can not report a past due balance on a charge-off The above entry is inaccurate because nearly every entry in this account record is inconsistently being reported with no proof of validation after numerous requests to ALL credit bureaus. Your blatantly improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX, NC ) use Navient to service private student loans. Navient provides misleading information concerning the loan that forces students to pay over 251 payments of {$300.00} a month for a $ XXXX loan. In return, the information is listed on the student 's credit file. The 251 payments for a XXXX  being listed on their credit reports make it difficult to obtain a mortgage, even if the student has a good payment history. It cost over {$75000.00} to pay back an initial {$25000.00} loan. Navient refuses to work with students and make it almost impossible to get out of the loan unless paying it off in full. However, still, the interest is charged daily, so the payoff amount increases substantially before they even apply the payoff check to the account. Next day payments do not even help. The payment amount changes daily. This is what is holding America back. 5 days ago they noted a different payoff of the original payoff which is {$22000.00} onXX/XX/XXXX. Today the new payoff amount is XXXX  and that is a rip off. When I initially called they gave me 10 day payoff amount of {$22000.00}. Today I spoke to XXXX XXXX  the supervisor and she stated that even though they have received it, it has not been processed yet and if it is not processed by the XXXX the payoff amount will increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2019-09-04
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have attached evidence that may be of assistance in your internal investigation, although confused I hope that I can retrieve more accurate answers that will bring me closer to understanding damages. 

Please Note : I received a XXXX package on XX/XX/2019 from a XXXX XXXX with Specialized Loan Servicing, LLC, aka : SLS ( Exhibit # 1 ) In the package was my documents that never were processed that were mailed XXXX and recieved by a XXXX XXXX in the XXXX Office of Judicial Records. Date, time and deliver have been furnished. In confusion, the documents that I received in this package excluded my Certificate of Service address to XXXX XXXX XXXX, XXXX ... ( Exhibit # 2, # 3 ) Inside the XXXX package was another package that was addressed with my name but SLS address. ( Exhibit # 4 ). 
Inside the white package with my name but incorrect address was my documents with the initial 2 pageS being a " Notice of Rejected / Returned Documents, '' from a XXXX, Clerk of OFFICE OF JUDICIAL RECORDS. ( Exhibit # 5 & # 6 ) PLEASE NOTE, on XX/XX/2019 the Electronic Filing was effective. My documents were lost per the Office of Judicial Records, never processed and forwarded to the Judge,  and my cashiers check for {$310.00} was returned to me? This is unprofessional, unethical, and unlawful. I am very confused and have no answers, in addition I lost my property over negligence and fraud from the Plaintiff, the Law Firm of XXXX XXXX XXXX, XXXX and the downline of Servicer 's who never possessed the authentic Note and Mortgage. I stand very firm in my argument that is supported with substantial evidence that these conspirators are trying to suppress. 
" Rather fail with honor than succeed by fraud '' ... ..XXXX  Mr. XXXX XXXX XXXX , I look forward to your response and thank you for your time in advance. 


Respectfully Submitted, 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 2023-10-12
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 XXXX Account # XXXX, has violated my rights.

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

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to all three credit bureaus informing each of them that the information on my credit report related to Account XXXX is not accurate and their reporting was erroneous and harming my credit file. They have failed to respond to my request or provide any documentation confirming that they have truly validated/verified this information within the allotted 30 days and as of today the information for this account is still incorrect. 

I am not able to determine if this is my account due to the inconsistent, incomplete, and inaccurate information : 1 ) Name : XXXX XXXX XXXX XXXX Account : XXXX High Balance : $ XXXX {$13000.00} Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Opened : XX/XX/XXXX, XX/XX/XXXX Dispute Status : This account has been disputed with all bureaus, but not reporting Creditor Remarks : Inconsistent across all three bureaus Last Payment : XX/XX/XXXX, XX/XX/XXXX Past Due : {$15000.00}, can not report a past due balance on a charge-off The above entry is inaccurate because nearly every entry in this account record is inconsistently being reported with no proof of validation after numerous requests to ALL credit bureaus. Your blatantly improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2018-11-21
Company: STATE EMPLOYEES CREDIT UNION
State: SC
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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 am writing to dispute a fraudulent charge on my account of $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX.                        I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX XXXX XXXX #XXXX opened on XXXX XXXX XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.5. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.6. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.7. XXXX-XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.	8. XXXX/XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.9. XXXX/XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXXXXXX.XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not 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 non-monetary relief
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
consumer credit transaction initiated with Bank of America for mortgage loan via credit Application Ending in : XXXX. 
Bank of America by deceptive, unfair and discriminatory acts allege that a fully executed purchase agreement was required for pre-approval letter by bank to facilitate transaction. 
Bank of America cancelled transaction and would not respond nor advise how a fully executed transaction could be obtained without pre-approval letter by bank to realtor as to what could be offered for purchase agreement. 
This is deceptive as a fully-executed agreement is impossible without disclosure of amount pre-approved to offer ( e.g. one million, two million etc. ).

This is unfair and discriminatory per 12 CFR 1002.2 ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. 
XXXX XXXX Resolution Specialist Regulatory Complaints evaded providing response alleging issue was resolved which is false, deceptive and unfair. XXXX alleges that credit application a new credit application is required after 120 days but have not clarified why a fully executed purchase agreement is required before a pre-approval letter can be provided. This act is fraudulent and unauthorized per 15 USC 1602 against consumer otherwise identity theft. 
Further escalated dispute and have not heard back since XX/XX/2021 from XXXX XXXX Senior Resolution Specialist Regulatory Complaints ( see attached ) regarding why a fully executed purchase agreement is required for a pre-approval or why I was discriminated unfairly as a consumer. As of today no response nor resolution has been received.

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 2023-04-26
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:
This is my several attempts to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : {$2000.00}, 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 non-monetary relief
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXXXXXX reports collection amount as {$450.00} and Transunion reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.

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 2022-10-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021, no actions were taken by the company. 
There is an unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX from SYNCB/TJX CO DUAL CARD ( Bank ) reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
State: IL
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:
XXXX  has been non-compliant with removing the unverified account SYNCB/XXXX  XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BWW Law Group, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
BWW Law Group is in violation of the CARES Act, RESPA, and FDCPA. 

BWW Law Group has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX in direct violation of the CARES Act. Because the federally backed mortgage is stayed from foreclosure actions, there is no excuse for the actions of this entity. 

In addition, BWW Law Group has completely ignored a previous Notice of Error issued on XX/XX/XXXX, and is currently in receipt of another Notice of Error which the servicer ( XXXXXXXX XXXX XXXX XXXX received on XX/XX/XXXX. BWW Law Group can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. I have not even received any statements from the servicer since XX/XX/XXXX, and I have not been in bankruptcy during any of this time. 

When the servicer receives the Notice of Error within 7 business days of the sale date, they absolutely must cancel the salethis is the law. We have attached the signed certified mail receipt dated XX/XX/XXXX, which proves that the servicer is in timely receipt of the Notice of Error. 

Please see attached letter with attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: LA
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:
The account with XXXX XXXX XXXX opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate please remove this from my credit per my FCRA rights this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off not attempt to collect a debt this information is incomplete and 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 2021-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank has refused to chargeback {$900.00} to merchant XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX I hired the company to file my taxes and to date they have failed to do so. I want to file a chargeback based on failure to receive services however Bank of America has refused to do so.

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 2023-10-12
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, has violated my rights. 

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

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