BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, XXXXXXXX Experian. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE 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 2020-12-12
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I signed loan docs on XX/XX/20 and also wrote a check for over {$5000.00} to the settlement company in the hopes of closing my refinance loan. Ive sent repeated emails and left numerous voicemails requesting an update on the status of my loan closing, but the company has failed to return my call. I am greatly concerned about my loan not closing and their keeping my funds. All I want is for them to close my loan based upon our agreed upon terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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: Old information reappears or never goes away

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I asked for documentation verifying the account to be sent to me directly following my dispute. The account in question XXXX XXXX XXXX is 7 years old and is still reporting to XXXX  and Experian. I was sent a letter stating the account has been verified  as accurate, but the dates are incorrect and should have been deleted at the seven-year mark.

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 2018-10-11
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away

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 2019-02-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Account information incorrect

Complaint:
XX/XX/XXXX I stopped my ACH w/drawal for my mortgage payment to Bayview Loan Servicing ( my second mortgage company ) because I was offered by them a Forbearance Plan ( in writing on XX/XX/XXXX ) because my property was designated as being in a major disaster area due to Hurricane Irma. I did not apply for this, they gave it to me and stated that during this time I did not need to make any mortgage payments for three months. 

XX/XX/XXXX Letter certifying I sent them financial information they requested. 

XX/XX/XXXX Announcing that I am pre-approved to " complete a loan modification '' that will lower my monthly payments. I did not ask for this ; this was offered to me. 


XX/XX/XXXX Reference delinquent loan. I, at this time, had not been asked to make a payment. In fact, I was advised that my loan was in good standing. 

XX/XX/XXXX Acknowledging receipt of my complete Loss Mitigation Application. 

XX/XX/XXXX Announcing I am pre-approved to complete a unique loan modification. 

XX/XX/XXXX Signed Loan Modification Agreement Prior to Bayview contacting me about the National Disaster Program, my mortgage payment was being submitted timely each month. I did not ask for a modification or any change to my mortgage with Bayview. They offered it to me, and I accepted. I checked my credit report XX/XX/XXXX, and discovered that they had reported to the Credit Bureau that I was past due XX/XX/XXXX and subsequent payments. 

XX/XX/XXXX I contacted Bayview about this erroneous reporting to the Credit Report and received a letter stating in part that they were required to report factual data. The information they reported is not factual and is devastating to my credit score. This is very unfair for a business to be able to get away with such shoddy work. 

During the time I was dealing with Bayview for this modification, it was next to impossible to make contact with them. Maybe ten percent of the time the phone was actually answered by a human being. I mainly dealt with XXXX XXXX ( XXXX ) ; but would leave a time for him to return the call. 

I was a very good customer of Bayview. I paid my mortgage timely, eventhough I know I got a very bad deal from them in the beginning, but I honored my commitment, and they should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/18 : received voice mail from ( XXXX ) stating he was a process server. That after numerous attempts to serve me a summons and complaint said would make one more attempt to serve me but if unable to, would return summons as a final service and I would be charged with a failure to appear to my court date. No attempt to serve me had ever taken place. 
I returned call from XXXX who advised me that the summons was in regard to a previous account I had with Wells Fargo on which I had defaulted. The account was out of statute for collection purposes. 
He advised me to get a cashier check made payable to XXXX in the amount of {$11000.00}, provided the address and case number to reference on the check. Send express mail to XXXX and call him back immediately with the overnight tracking number. I stated I would not pay that amount, at which time the ( process server ) stated I could be subject to wage garnishment or seizure of my bank accounts. I stated I did not owe that amount and would not pay it. He asked what amount I could pay. After offering a {$5000.00} payment he was able to get this authorized which led me to believe he was not a process server at all but a collector using unfair and deceptive tactics, including threats. I did send the check and contacted them with the tracking number. I am contemplating a stop payment at this time but am also wondering if this collection tactic was in violation of the FCCA.

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 2019-10-30
Company: AMERICAN EXPRESS COMPANY
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: Problem with personal statement of dispute

Complaint:
I applied for the XXXX XXXX XXXX American Express card. My credit is over XXXX and my income is substantial. The reason they denied my approval was back in 1999 I filed for bankruptcy and one of the credit cards I had at the time was an American Express card. 
The BK was difficult and stayed on my credit for 7 years and thankfully got back on my feet and have been very successful and have many credit cards in my name. I was not aware that it was legal to deny me credit over a debt that was legally dealt with 20 years ago? I have not been denied any credit of any kind the last 10 years. Mortgage, cars, credit cards etc. If this is not discrimination then I do not know what is. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX Account # xxxxxxxxxxxx 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 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 non-monetary relief
Consumer complaint received 2021-08-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen out of my car. The thief used my ID and visited an emergency room and charged it to my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed that XXXX XXXX XXXX have placed an inquiry on my XXXX  & Experian credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

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 2022-08-25
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U. S. C section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2018-04-11
Company: MidAmerica Mortgage Inc
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Escrow I have a 30 year fixed, 3.25 % VA loan with P & I monthly @ {$510.00}. 
Someone appears to be defrauding my escrow account as my payments have escalated from $ XXXX/month to over $ XXXX/month in less than 6 months. 
Prior to XX/XX/XXXX my Insurance costs were $ XXXX/year and my monthly payments were {$620.00}. 
My insurance premium is only $ XXXX/year now and I am being billed $ XXXX/month. 
I have asked the company to explain how my insurance premiums ballooned on XX/XX/XXXX when I was already paid and covered from XX/XX/XXXX - XX/XX/XXXX.. no one, not even their advocate has explained this to me. I have attached three insurance forms to show something is terribly wrong with my account. 
I have also attached a screenshot of my existing account which is BIZARRE. Please note that I have never missed a payment and that I have NOT been charged a late fee, but they insist on charging me $ XXXX/moth. 
My XXXX should be : {$510.00} + ( T= XXXX/XXXX= XXXX ) + ( I = XXXX/XXXX=XXXX ) = {$640.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-01-22
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Bankruptcy # 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 2023-01-25
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, I sent a money transfer in the amount of {$50000.00} to my sister 's account in XXXX. The transfer was cancelled by the correspondent bank for some unknown reason and sent back to my account at XXXX XXXX. The money has not yet been returned and I am very worried because they do not provide me with any information. As a result of my investigation, I found out that the money is in the American bank J.P.Morgan. I ask you very much to understand this situation and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account, XXXX XXXX account # XXXX, XXXX account # XXXX and US Department of Education 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 non-monetary relief
Consumer complaint received 2019-02-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2012, I started my own business and I was not able to pay on my student loan so I started to deferred them. Between running my business and a major car accident, paying back my student loan has been difficult. Over the last 6 years Sallie Mae/ Navient have added over {$10000.00} in interested and late fees. My loan amount total was around {$21000.00} in XX/XX/2012and now it is over {$33000.00}. 

Navient harassed me about my payments when the forebearance would end and call me all hours of the day. Then once I would do another fore-bearance they would add on more fees, interest and late payments. Navient made me believe that deferring my payment was a good/okay thing to do but what it really was, this company is just getting richer off of poor women like me. 

Now I am trying to dig myself out of this financial hole and I wrote them a letter asking them if they could go back to the {$21000.00} as my outstanding balance, if I would agree to pay this off in a couple yes and they said no. They manipulated me for their financial gain. 

Any help would be greatly appreciated. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Experian did not provide evidence. CFPB step up and delet 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