BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
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:
Experian credit agency has refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been 8 months and they still will not remove this information from 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 explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: TN
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 opened a case with the CFPB with XXXX as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and Experian moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from XXXX on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the XXXX family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of XXXX Financial Services XXXX Subject : Re : Your Inquiry to XXXX  XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of XXXX  Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX  to XXXXXXXX XXXX, ET. 

Sincerely, XXXX Executive Office of Customer Advocacy

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 2018-10-17
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My home mortgage loan amount was paid in full on XX/XX/XXXX to Ditech. Ditech has not reported to credit bureau sinceXX/XX/XXXX. I have made at least 3 calls to the company ( XXXX, XXXX x2 ) to tell them to update this information to my credit because it appear on my report of owing {$110000.00}. This affect my debt ratio. I have received the run around along with fraudulent information from Ditech representatives.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In Bank of Americas response of XXXX/XXXX/XXXX submitted to CFPB, they stated that my DTI was at 70.37 %. I asked Bank of America ( BOA ) the breakdown of the how this percentage was arrived at. The representative did not have that information and said they would get it from their underwriter. 

When they called me back a few days later they provided me with the following line items used to calculate DTI : DEBT : {$6200.00} : {$3000.00} Bank of America mortgage based on 15-year loan term for {$400000.00} {$25.00} one XXXX credit card {$31.00} second XXXX credit card {$13.00} XXXX XXXX {$25.00} Bank of America credit card {$370.00} XXXX XXXX {$2600.00} XXXX XXXX  consisting of {$2100.00} mortgage + {$520.00} estimated taxes + {$47.00} Homeowners insurance Total : Current monthly debt as calculated by bank {$6200.00}. 

INCOME : {$8800.00} No line items were provided. 


In the DEBT calculation I asked for an explanation of {$3000.00} and why they had calculated debt based on a 15-year mortgage term instead of a 30y term what I had applied for. They stated it was their mistake and could not provide me with an answer. 

In the DEBT calculation of XXXX XXXX {$2100.00} I explained that the monthly payment is {$1200.00} not {$2100.00}. No satisfactory explanation was provided. 

In the INCOME calculation I informed them that my monthly income was {$13000.00} not what they stated. They said they will have someone else look at it more closely. 

BOA stated they could not now alter any numbers nor use the hitherto submitted figures since more than two months had elapsed since my application. They asked me to apply again. 

Since XXXX XXXX, XXXX I have been trying to apply to refinance with BOAs recommended representative but they have failed to return my calls nor answer my emails. 

EXPLANATION REQUIRED FROM BOA : I fail to understand the logic of risk assumption based on {$3400.00} a month on their loan against the more secure {$1800.00} a month. 

Please explain to me why BOA is accepting a higher current DTI based on my monthly payment of {$3400.00}. 

And also why choose to ignore the dependability of a $ XXXX monthly payment against the same loan.

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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.

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 2017-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative 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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and 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 2023-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a hard inquiry made on all XXXX of my credit reports from XXXX on XX/XX/2022. I did not give this business permission to pull my credit and believe someone tried to open an account in my name. The credit bureau told me to file a fraud report with the FTC in order for them to remove it from my credit report since it decreased my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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 Acts amendments to the Truth in Lending 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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 noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet Experian claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to Experian that it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?

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 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I have been locked out of my transunion credit report for over a year. I have contacted them numerous times including XXXX and two weeks prior. They have told me several times that it will be fixed and they are mailing me a copy of my credit report. This has not happened. I am certain there are errors on their report and need access to this. I appreciate your help in resolving 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 explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: MA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: MI
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:
EXPERIAN responded to complaint XXXX regarding obtaining and sharing my information. EXPERIAN did not and does not have my express written consent to even begin to obtain any of my information, let alone share it. 

EXPERIAN shall provide documentary evidence of consent I have given to them or permissible purpose to obtain or share any consumer information regarding myself. 

EXPERIAN shall provide documentary evidence of consent I have given to XXXX XXXX  to furnish any consumer information regarding myself to EXPERIAN.

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 2020-01-27
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Bank/JcPenny # XXXX ( PARTIAL ACCT NUMBER PER DOCUMENTATION ) Account was sold to attorneys at law XXXX XXXX XXXX, PA, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. XXXX. I was never notified this account was sold to this lawyers office. XXXX threatened to sue, with filings in place with small claims court in XXXX, In. There was {$350.00} paid to this attorneys office for this account. I never intended a refusal to pay, however, this account was removed from my credit when sold and placed back on my credit once XXXX stopped trying to collect. i stated to representative at attorney office this account was never signed nor acknowledged going to their office. The {$350.00} was paid directly to the lawyer office per money orders. I was told the acount would be removed, however, its back on my credit and released back to original creditor, Synchrony bank c/o JcPenney Card Svcs.

I have reaced out to JCPenney and the original documentation could not be found.

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 2018-03-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged debt bought by Second Round Limiter Partnership. Failure to provide validity of debt and proceeded to put said alleged debt on my credit report, which is against the FDCPA. Item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I got one offer from Comerica Bank. Access Checking Account with {$200.00} offer. Application # XXXX. I was told to the nearest bank branch and open the account with that offer. I did the same and successfully opened the bank account. 
Everything was all okay. As per the offer, I was suppose to have a direct deposit of {$750.00} 3 times within the 90 days to get this {$200.00} offer. I have already fulfilled those conditions but today I got the email that my application is cancelled and now I need to start all over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Specialized Loan Servicing Holdings LLC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Re : Specialized Loan Servicing - Loan # XXXX - Home Equity Line Statement The following is the 'second complaint ' in reference to Loan # XXXX serviced by Specialized Loan Servicing ( SLS ) located at XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, CO XXXX. PH : XXXX. 

Attached is a Home Equity Line Statement that I received on XX/XX/2019 from SLS. This is the first time I was informed by SLS of the following fees concerning the payment due date of XX/XX/2019. {$1000.00} for attorney fees and {$190.00} for a finance charge. These fees were never disclosed to me prior to receiving the Home Equity Line Statement from SLS and I don't feel that I should be subjected to those fees. 

I was approved for a loan modification ( see also financial summary ) on XX/XX/2019. My first payment in the amount of {$570.00} was debited by automatic check withdrawal ( ACH ) on XX/XX/2019. I thought all was going well until I received the attached Home Equity Line Statement on XX/XX/2019. 

This is an unjustifiable and deceptive means of doing business on behalf of SLS. Also attached is an email confirmation from SLS stating the monthly amount of {$570.00} to be debited from my checking account. NOTE : No mention of any other fees on the email confirmation. 

I would appreciate it if you would assist me to have SLS remove those never disclosed fees. My next payment is due XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX and Experian have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there 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 explanation