BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: OH
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 currently have bankruptcy on my credit report. All but two accounts showing has been put in an bankruptcy Experian continues to violate a court ordered bankruptcy. 90 % of what Experian is reporting and leaving on my credit report is in the bankruptcy and inaccurate false reporting keeping my scores low since 2018! I have disputed multiple accounts numerous times and providing the proof from their own records! 
XXXX XXXX Flagged my credit report indicating a bankruptcy. Experian was well aware the account was a part of a court order bankruptcy. 
Experian continues to have this showing and reporting derogatory ratings. After disputing nothing is removed and corrected. Violating the court order bankruptcy. 2+ years! 

Experian continue to report hard inquiry showing HIGH RISK LEVEL. It clearly states hard inquiry falls off at two years. Its almost 3 years! 
I will attach all the inaccuracies in the screenshot pictures Ive taken. 

I am applaud at the fact I was denied the chance to rebuild my credit do too the fact Experian refuse to properly report. Purposely taking accounts that are in a bankruptcy and use it against me twice. After being notified and properly disputed lots of accounts providing documents about the issue, Experian refuse to remove the active bankruptcy accounts allowing all these accounts to completely ruin my entire report! I went 3+ years trying to recover from losing my home and everything I worked hard for very very minimum inquiries, no new debt and able to pay the outstanding utility bill. Only to find out the massaive damage Experian had caused to my credit report and scores. 

Experian has done this on purpose its no mistake. Because even after notifying Experian providing solid proof all of the accounts, hard inquiry and derogatory reporting remained. if that wasnt bad enough Experian continue to falsify and edit dates turning 3+ year old bankruptcy debt into new and current accounts that are seriously late, past due, high risk etc. I couldnt get a vehicle and Ive been wrongly denied credit because of this. 

I plan on pursuing the company for damages. Bankruptcy court will be notified of how Experian aggressively used bankruptcy debts to severely damage my credit profile. Violating my consumer right to fair reporting. 

I have attached screenshots of the damages. 

I do not deserve to be treated this way. And plan to make all the information public do others will know Experian is damaging your credit profile keeping your scores very low even youve done everything right.

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 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!

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 2019-02-21
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX, XXXX  and Experian continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.

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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts creditone account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX  duplicate accounts XXXX XXXX   incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data

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 2021-02-03
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: Account status incorrect

Complaint:
On today, XX/XX/XXXX, I received an alert from TransUnion that a XXXX account was reporting 120+ days late. This caused my credit score to drop XXXX points! I called and spoke with a representative and she said that they have not reported on my account since XXXX and that my account was paid in full through consolidation. I demand that this account is removed or updated to show accuracy.

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 2018-03-28
Company: Experian Information Solutions Inc.
State: GA
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 sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX to XX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods ofXX/XX/XXXX thru XX/XX/XXXX. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company currently servicing our mortgage reached out in XX/XX/XXXX to refinance our mortgage due to the low rates, so we agreed. We locked in a rate of 3.125 % on XX/XX/XXXX with NewRez and supplied them with all the upfront requested documentation and eSigned all necessary forms. It is now XX/XX/XXXX and we still have NOT closed on the refinanced loan and they are asking for more documents, and my husband to correct the figures multiple times on the documents provided by NewRez for the refinance ( incorrect escrow figure, property taxes, etc. ). We constantly reached out to the company throughout the multitude of months since starting the process in XXXX and were told various stories about how the loan would be underwriting soon once one more bit of information was verified -- and the information to be verified never was accurate to begin with for our loan. Or, there would be no response and no escalation even after we demanded status updates with set deadline dates for such information. We have lost out on four months of saving {$300.00} a month that the refinance should have secured had it closed at the end of XX/XX/XXXX as it should have closed, and we now can not refinance with an alternate company at the same rate as rates have now increased, and also, the loan office does not get paid until this loan closes so there are multiple parties effected by this company 's gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar has acted in a fraudulent manner and refused to address an error they made XX/XX/2019. Nationstar made an error in my account with hazard insurance payments and refused to make the correct adjustments from XXXX XXXX. On XX/XX/2019 I made a normal mortgage payment of {$3300.00}. Nationstar changed my mortgage payment to {$3500.00} in XXXX without proper notification of a reason for the change. For some unexplained reason Nationstar unilaterally decided to designate my payment on XX/XX/2019 as " Unapplied Funds ''. Nationstar reported my payment as an overdue payment in error or intentionally and failed to credit my payment to my principle and interest account as a valid payment. After many unsuccessful attempts to have Nationstar address this matter and correct their error Nationstar still lists as unapplied funds in my account statement. The payment of my check is still listed as unapplied funds for some inexplicable reason and Nationstar refuses to reverse the error of my payment as delinquent and give me credit even though the firm has cashed my check. I believe that Nationstar has done this intentionally to hurt my credit and punish me for reporting this error to CPFB. Nationstar is a fraudulent mortgage processor and has damaged my credit so that I am not able to move my account to a reputable mortgage provider. I have provided documentation that verifies the issue and want Nationstar to credit the unapplied funds to my principle and interest account or send me the money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: GA
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 sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX toXX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/XXXXthruXX/XX/XXXX XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
FOR 5 YEARS I HAVE NOTICED AND COMPLAINED TO MY BANK ABOUT THEIR HANDLING OF OVERDRAFT FEES ON MY CHECKING ACCOUNT. WHAT THEIR PRACTICE IS IF THE ACCOUNT FUNDS ARE LOW AND THERE ARE INCOMING DEPOSITS AND WITHDRAWALS IS TO HOLD THE DEPOSIT AND ALLOW THE WITHDRAWAL FIRST IN ORDER TO CHARGE OVERDRAFT FEES TO AN ALREADY NEAR XXXX BALANCE ACCOUNT. WHICH IN THESE THESE TRYING TIME IS VERY UNNERVING AND STRESSFUL. OF WHICH THEY DENY BUT CONTINUE TO DO. YEARLY I AM SURE THEY AMASS SEVERAL THOUSANDS OF DOLLARS FOR THE BANK. AT A COST OF MOSTLY STRUGGLING MINORITIES I AM SURE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03
Company: DISCOVER BANK
State: TX
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:
For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by Discover, XXXX XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance startingXX/XX/XXXX toXX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/XXXXthru XX/XX/XXXX. XXXX XXXX  can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.

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 2017-08-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It 's very lengthy. To start my loan was being serviced by XXXX XXXX XXXX, after 5-6 years of trying to get a modification, 2 short-sales, than deed in lieu, we finally decided to do deed in lieu, they offered me {$10000.00} for cash for keys. ( Please note that I had a cash buyer through the short-sale and they ( mortgage company ) would not sign the papers in a timely manner and the people walked from the deal twice! ) After going through months of trying to close on the deed in lieu though XXXX XXXX XXXX ( XXXX ), my loan was transferred to Bayview Loan Servicing. They picked up where XXXX left off on the deed in lieu, but they said I could not get {$10000.00} it would be {$3500.00}. 1/2 when I sign the papers and 1/2 will be mailed to me. After months of going through the same procedures with them I was told the deed in lieu was approved, in XXXX, 2017. I signed the papers in XXXX, 2017 and they sent a notary to the house, they said he would have the check in hand, and I would have to sign for it, he did not have the check. To date I have not received any money from them. I followed all their instructions and they will not return my calls. The last I heard it was coming in the mail. Also I have not received any final papers saying the house was transferred out of my name and back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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:
My name is XXXX XXXX. It has been well over a year TransUnion and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 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. I demand the following accounts be verified or removed immediately.

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 2019-10-29
Company: PMAB,LLC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: ARS National Services, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( ARS National Services ) threatening to negatively impact my credit even tho I am not 30 days past due!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Have two credit cards/debit card that were stolen last night XX/XX/2020. One for XXXX XXXX and one for XX/XX/XXXX debit. 

Charges were all done last night for XXXX, XXXX, XX/XX/XXXX, charges amount from {$0.00} to {$32.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: I.C. System, Inc.
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2020-05-20
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Today is XX/XX/2020 i made a transaction today off of my Square Inc. Cash App card and it went through like normal. Then i tried to cash  out some money and it told me that it was declined for some reason. So i went to an ATM and it told me insufficient funds. Which i know is not true because my cash app balance still shows that i have {$130.00} available.

Company response to consumer: Closed with explanation