BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
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: Information belongs to someone else

Complaint:
FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOE/XXXX  {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : 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 2019-09-29
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Amerisave ... .... 

Back in XX/XX/XXXX, I disclosed to the Representative over the phone on a Recorded Line that I had a Bankruptcy in XXXX. The Bankruptcy is also Clearly Obvious on my credit report as well. I was hoping they could offer me a lower rate since the rates have come down over the last year. I have no problem with FHA Loans as long as it works for me, and there is a Tangible Benefit.

They took my application, took my Debit Card, took {$500.00}, did an appraisal and told me I was approved and I would be at the closing table in a few days. The very next day I got an email telling me the loan was cancelled because of the Bankruptcy. They knew that from the beginning, now they will not give me that loan, and there is no other loan for me, and they will not give me my money back. They could have made the decision to Decline the loan without ever getting a Fee from me, there was no need for Fees if I dont qualify for any of their loans. 

Considering they had no intention on giving me a mortgage, I feel like they just wanted to steal money from me. I had to go to my bank and file a dispute and wait two months to finally get my money back. When I finally heard back from the Representative I was working with, she told me she went to bat for me. I am not sure what that meant since she was the one initiating the loan and allowing this whole thing to go on. Then she told me I could dispute it with my bank. Who on earth does Business this way? If you don't like us stealing from you, go back to your bank and try and get your money back! What a way to take care of your client!! 

I would like to see this company audited and perhaps investigated, especially after I read several other reviews online where past applicants have had the same exact issue. Sadly for them, they never got their money back. To lose {$500.00}, that hurts, I work for a living. These people need the Mortgage Police!

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 2020-05-22
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was placed into forbearance by my mortgage service agency, PHH Mortgage, without my authorization. I called the customer service line on XXXX XXXX to inquire about the forbearance options related to COVID-19. The representative asked if I wanted to have my mortgage put into  forbearance, and I explicitly told him that I did not want to proceed with that option at the time of the call ( and would call back if I did want to proceed ). I then received a letter a few days later indicating that the loan had in fact been placed in forbearance. I subsequently learned that this could have negative consequences for my ability to take out a new loan and/or for my credit score. I have contacted PHH to end the forbearance ( which is now complete ) and to restart my payments. I am very concerned about this increasing the interest rate if I were to purchase a new home in the coming year. I am not happy. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: LA
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:
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 CORRECT.

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 2020-11-23
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: Account information incorrect

Complaint:
I have several inaccurate items reporting on my credit report. I have sent a total of 2 letters to Experian for them to correct the incorrect personal information and incorrect account information they are reporting on my credit report and they have not completed my requests within the allotted 30 day period on 2 separate occasions. I have sent a final 3rd letter to request this inaccurate information be removed

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 2018-09-19
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:
According to the Fair Credit Reporting Ace, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/218, I sent an initial letter requesting them to remove specific inquiries that I believe were placed in error. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up letter referencing XXXX v TransUnion, again asking them to investigate and remove the inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/2018 stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Im submitting this complaint due to inaccurate names on my credit report, inaccurate addresses, 1 auto loan account ( XXXX XXXX XXXX ) and unauthorized inquiries. Ive sent in a 609 letter to TransUnion, and also contacted the other bureaus regarding this issue!

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 2020-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX 2 certified letters for account verification. Enclosed is what I received that looked like it was copy and paste of a statement. I requested proof of The amount of the debt ; The name of the creditor to whom the debt is owed ; Verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Florida ; Proof of the last payment made on the account. 
Copy of Assignment Contract Copy Original creditor Copy Original contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.

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 2018-02-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I did a financial money transaction via paypal and the funds have not been credited to my account. Paypal claims that they did not correspond with me via email that prompted me on XX/XX/2018 to ship my personal laptop computer to buyer internationally to XXXX XXXX they claim all correspondence with paypal is fraud while Im out of a laptop valued at {$280.00} selling price advertised via XXXX and the payment transaction was suppose to occur via paypal which did not occur. Also I was prompted via email from paypal to ship merchandise produce a tracking number, submit tracking number and funds would be instantly funded to my paypal account the funds is currently pending and the fraudulent emails are consistently demanding more funding.i already shipped the item to be purchased without a credit to my paypal account as the invoice was drawn up for it to be funded on submission of XXXX tracking number. XXXX tracking # XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Experian Information Solutions Inc.
State: AL
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 been disputing this bogus item on my credit report since 2014 and have submitted a document from the dental office stating the account was paid in full, but XXXX XXXX XXXX is using hard-nose tactics. I have contacted these people several times and threatening to file a complaint with the Attorney General. Attached is the recent dispute I filed with Experian and it is vague, to say the least. The report states that from their investigation the report has been updated. The report has not been updated, and I attach a scanned copy of the 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 2020-05-22
Company: Experian Information Solutions Inc.
State: AR
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:
Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted 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 2018-02-10
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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted 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 2020-05-22
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 {$250.00}, {$50.00}, {$250.00} There are thee derogatory accounts listed from this agency at the same time and from the same originated company. Two of the charges appear to be exactly the same due to the same balance and company name. The collection agency has not listed what type of account this is or verified that the account does not belong to me. I have tried to reach this agency, however I have not received a response. This was posted to my XXXX  credit bureau record without any prior contact with me. I have no knowledge of the original creditor or the collection company. There is no publicly listed phone number or address for this company. I have filed a dispute against this agency and the three charges they have filled on my account. Also, If the charges were from the same original creditor why would there be three separately filed derogatory remarks if there is only one collection agency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a fraudulent use of my debit card claim for {$190.00} with Bank of America on XX/XX/2018. Their claim # XXXX. I dont know how the criminal did it but he/she did not have my card. Most of the fraudulent charges were made in Michigan. The fraudulent charges are highlighted in green. I was in XXXX XXXX, Ohio from XX/XX/XXXX to XX/XX/2018 attending a XXXX XXXX college. I stayed there in a hotel for 2 weeks as the receipt shows. Receipt attached from my XXXX XXXX credit card that shows a 2 week stay at XXXX XXXX XXXX  XXXX, XXXX XXXX. You can also see from my Bank of America charges that I was in XXXX XXXX during the time of the fraudulent charges. Bank of America denied my claim.

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 2020-11-25
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:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

CC : Consumer Financial Protection

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 2021-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Discover Bank, I am reporting you to the Internal Revenue Service ( IRS ), all appropriate forms being filed. This account will be AUDIT immediately by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear CFPB, I am making a complaint against Experian for including a tax lien on my credit report that does not meet the XXXX ( XXXX XXXX XXXX XXXX ) standards for the listing of such. The XXXX requires that liens must have a full name, address, SSN ( not partially or completely redacted ) and/or DOB. The lien listed on my Experian credit data does not have the full SSN listed properly ( only last 4 digits ), does not list a DOB, nor does it include any address. XXXX, without any action on my part, followed the legally agreed upon requirements and removed the lien immediately due to this. However, Experian did not afford the same due diligence prior or after listing of the lien, which goes against my afforded legal rights. I am including a copy of the said lien in question.

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 2018-09-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property was sold via public auction while litigating with XXXX XX/XX/XXXX. 
Received notice case was squashed XX/XX/XXXX. 
Received email from OCWEN that my mortgage was paid on my behalf. 
Inquiries about who paid it and why, what happens to property title, and if there is any compensations, have been to no avail. 
What's next?

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 2017-08-11
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed in XX/XX/XXXX that Trident Asset Management added an account for XXXX to my credit report. I contacted XXXX and they stated that the account was sold to Trident Asset Management. The charges were for un-returned XXXX XXXX equipment. I moved from XXXX County Maryland to XXXX County Maryland in XX/XX/XXXX. My XXXX XXXX equipment was returned to XXXX via XXXX in XX/XX/XXXX. XXXX states they can no longer view my account in their system and can not assist with the tracking of my returned equipment. I have disputed this account several times with the 3 credit bureaus to no avail. Trident Asset Management continues to verify the debt is valid. To this date, I have never received a bill for equipment from XXXX or Trident Asset Management. I have pleaded with both organizations to assist me in tracking and both continue to ignore me. My credit score has been damaged severely due to Trident 's re-aging of the account and unwillingness to address and obvious error on XXXX 's behalf. Trident has chosen to update my credit report to reflect that the " open date '' is XX/XX/XXXX. I have a previous credit report that clearly states the account charges originated in XX/XX/XXXX. Please help ... I just want justice for a debt i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NY
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation