BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed Experian that the following addresses are not mine or never been mine : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Please have these addresses removed from my credit file.

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 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX XXXX XXXX NY XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2015Bank of AmericaXXXX XXXX XXXX XXXX TX XXXX XXXXThis is a disputeGentlemen : I wrote the attached letter XXXX XXXX, 2015 and XXXX XXXX, 2015 and this letter XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 and I have been contacted by the dispute collection dept. 

Clearly Bank of America MISTAKENLY XXXX and admitted same ) sent me {$3000.00}. 

When I received the check there was no explanation and no account number. I cashed the check and spent the money. Even though this was Bank of America 's mistake I am prepared to pay back the {$3000.00}. I told this to the dispute/collection dept. but they insisted that because I had use of the money I would have to pay interest. 

My credit balance, which initiated this whole issue, did not earn interest even though Bank of America had use of the money. They were quite insistent and I therefore hung up on them. 

Like I stated above I am prepared to pay back the money but on my own terms and conditions NOT Bank of America 's. 

I will pay back at the rate of XXXX monthly payments in the amount of {$300.00} each. If this is satisfactory to Bank of America please email or mail a clear unequivocal confirmation with no conditions. Upon receipt of your correspondence I will commence the repayment. Furthermore none of this is to be recorded by ANY of the credit agencies. 

However if you initiate a suit I am prepared to meet you in small claims court. 

Also please do not call me for collections. You owe me my credit balance. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote the 3 credit bureaus and notified them the judgement had been satisfied and attached documentation as proof. The only one to not remove it was Experian. Now I am delayed on a mortgage and rates are going up!!

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 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My TransUnion credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, TransUnion reports the following information that does not belong to me : 1- XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, {$940.00} 2- XXXX, XXXX/XXXX/XXXX, {$0.00} 3- XXXX XXXX, XXXX/XXXX/XXXX , {$110.00} 4- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 5- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$8500.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1900.00} 8- XXXX, XXXX/XXXX/XXXX, {$89000.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$110.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$3500.00} 11- XXXX, XXXX/XXXX/XXXX, {$4000.00} 12- XXXX, XXXX/XXXX/XXXX, {$350.00} 13- XXXX, XXXX/XXXX/XXXX 14- Judiciary PG Court, XXXX/XXXX/XXXX, {$170.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$420.00} 16- XXXX, XXXX/XXXX/XXXX, {$590.00} Please remove these items

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 2016-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed adverse accounts on my consumer file in XXXX, XXXX, XXXX XXXX XXXX accounts I was requesting to validate that these debt belong to me but Experian failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

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 2015-06-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am the victim of identity theft and I have placed a 90 day initial security alert on my credit reporting agency accounts. Experian notified me by mail that it has placed an *Initial Security Alert* on my account and that I am entitled to a free credit report. But when I used tried to order the credit report, using the Report Number Experian sent me I get a response that *We were unable to honor your request. * How do I get my free credit report from Experian?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Dear Sir\Madam : My Experian Member # XXXX. 
On XXXX XXXX 2015 i visited Experian website to order my XXXX credit bureaue reports and today ( XXXX XXXX 2015 ) when i checked my credit card statement i was taken by surprise that i was charged additional {$23.00}. So i called Experian and learnt from them that this charge is about membership credit monitoring that i did n't authorised nor i enrolled myself. They mentioned that it is automated enrollment and only gives 7 days to cancel. you can not force consumer for auto enrollment without there consent and it is fraudulent malpractice company like Experian uses to extort money from consumer without there consent and knowledge. 
Foremost, auto enrollment is been forced where many consumer like me are taken by surprised and should be stopped and this kind of hidden game should be stopped immediately and full refund should be given to all consumers who became victims of there scams. Experian should penalised heavily to teach them lesson. 
I hope that CFPB is for consumer and not for company like Experian. 
CFPB are our last hopes that many consumers like me depend on. 
Please kindly look into it and help me to get my refund. 
Doing so is greatly appreciated. 
ThanksRegardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX incorrect addresses reporting on my credit with Experian over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA

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 2015-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am unable to get loan approval because XXXX XXXX XXXX / account number XXXX is showing the verbiage " Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all XXXX credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband had a loan with Seterus, and was in the middle of making trial payments to have the loan modified when he passed away XX/XX/XXXX. I wanted to assume the loan, and completed all paperwork to send to Seterus. There was an issue that took several months to resolve, as Seterus wanted me to have the home go through the Probate process before they would review the assumption application. I explained that I already owned the home since I was on the deed, and should n't have to pay the expenses of Probate since I own the home. This took Seterus several months to review, and finally send me a letter that they agree the property does not need to go through Probate - that i must have been " misinformed '' by someone at Seterus. Once this issue was resolved, i had to resubmit many of the documents since they were considered " out of date '' by Seterus. I did as they asked, and they sent a letter dated XX/XX/XXXX that they had received all the documents from me they needed and were reviewing for the assumption and I should receive an approval or denial in about 30 days. We are just a few days short of it being 60 days now. I have been calling each week since the 30 day point to see where we stand - and each person I speak to says there are no notes that reflect it 's even being worked on. This situation has been " escalated '' in Seterus system twice in XX/XX/XXXX - without any forward movement to the " escalation ''. I received a letter via XXXX on XX/XX/XXXX that Seterus was " responding to our request '' and had assigned XXXX XXXX with " Consumer and Government Affairs '' to our case. The letter said to reach him with any questions, and gave his number. I have since called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I left voicemails each time, and have not received one return phone call or message. I called the general customer service line on XX/XX/XXXX and spoke w XXXX XXXX who reviewed all notes, and agreed that the review did not appear to be moving forward, and got her supervisor XXXX XXXX involved. I spoke with XXXX and she said she would contact the " Assumptions Department Manager '' that day, and have them call me that day. I never heard from anyone ( XXXX or Assumptions Manager ) .I asked XXXX for her direct line and called her on it on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - and left voicemails each time stating I had never heard from the Assumptions Department Manager - and I still have not received one return phone call or message from XXXX . I called the general customer service line today, XX/XX/XXXX and was advised there are still no notes or evidence that the review is moving forward. I want this process completed so that I can move forward with my life, and I 'm concerned that Seterus is taking so long, they 'll tell me my paperwork is out of date again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Company ( Equifax ) auto-debited a credit card they were not authorized to use for an annual subscription on XXXX/XXXX/2017. When I called to terminate on XXXX/XXXX/17 when I noticed the charge, they refused to refund the full amount of {$190.00} ; instead offering a prorated refund of {$160.00}. When I disputed this, they indicated they could choose when to terminate and selected XXXX/XXXX/2017 and were due the amount between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
experian has taken too long to send me results of my disputed negative acounts

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 2019-05-28
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My father passed away toward the end of XXXX. I was still in possession of his truck at the time. There was an outstanding auto loan for the vehicle with BBVA Compass. In early XX/XX/XXXX, I called the bank to get the total amount outstanding. I was transferred to several departments ( auto loans, marketing, default, probate, etc ) prior to finally finding an individual to give the entire amount due, including interest and fees. I asked if I could take the payment in to a local branch and was told it would not be accepted. I was advised the check could only be accepted by the probate department by mail. I wrote check XXXX on XX/XX/XXXX and sent it via XXXX Priority Mail. The check cleared XX/XX/XXXX. I awaited the title but it never came. On Saturday, XX/XX/XXXX, my wife and I had to leave town to attend the funeral of a beloved family member. A close friend agreed to stay at our home to watch our XXXX year old son while we were out of town. At approximately XXXX, my friend heard " a loud crash '' and ran outside to see the truck being repossessed by a local towing company. She panicked and asked him to stop because the owner wasn't home. She was told she could get nothing out of the car, but pleaded with the driver and was allowed to get my son 's car seat. The driver told her to inform us to call the bank. Because I live in a small middle-class subdivision, several people witnessed the commotion. As I was sitting inside the church over two hours away from home during the funeral service my wife and I received a text message from the friend advising what just happened. We were horrified and completely humiliated. By the time we returned home, the friend was able to provide details of the event and give me the name of the tow company. I waited until Monday to take my wife to work so i could use her car to visit a local branch of the bank to advise of what happened. They were initially unable to get any information and was told they would call me. Several hours later, I received a call from what I assume was at minimum a state-level individual stating he was directed by his boss to return the truck. The towing company returned the truck to my home later that evening along with my possessions that had been placed into a trash bag. I suffered a very public humiliation in front of friends and neighbors due to a wrongful repossession. To make matters worse, I have still not received the vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used the site - XXXX. After providing all the info, it stated that I already received my free credit report. However, I never have received one nor requested one.. **I got a letter from XXXX XXXX telling me the * Notice of Data Breach* so I was ordering my XXXX of XXXX free credit reports. ****Please check into this immediately. I did not order one before. Could this be connected to the fraud? ****thanks, **XXXX XXXX I tried calling the telephone line but no answer and i tried to submit the above problem and it would not accept my info - it stated that there is an error??????

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 2015-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on Experian, XXXX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: HANCOCK MORTGAGE PARTNERS LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I were working with XXXX with Hancock Mortgage and asked if we should cancel the contract on a house we were looking to purchase because of some credit issues. XXXX told us no, do not cancel because he had the deal done after we paid a few things off, which we did EXACTLY what he told us to do. After we paid an auto loan off ( of more than XXXX $ ) he told us he had submitted our file to the VA and we had to wait on the clear to close from them. Two weeks went by, and I was asking on a daily basis if he had heard anything from the VA and he kept telling me no nothing yet. The final extension was about to expire on the contract and then out of the blue XXXX informed us and our agent, XXXX XXXX, that the file " never left the processor 's desk '' - meaning, it was stuck under some paperwork and was never submitted to the VA for approval. Because of this, he lied every single day that I or my agent asked him about the file. Each and every day he continued " he was watching the VA portal and it was still pending ''. How could it have been pending if it was never submitted? Because the seller 's agent refused to do another extension they wanted the contract canceled. My agent sent paperwork asking to release our earnest money but the seller 's refused because of the time it was off the market. Mind you, this was n't our fault. We did everything the loan officer told us to do and we were told we were waiting on the VA for the final approval to go to the closing table. So, we ended up negotiating {$350.00} split between us and the sellers. But, it is n't fair that we lost our money at all because I had asked XXXX multiple times should we just cancel within the time frame so that we would n't lose that money, we were n't in a position to lose {$700.00}! He kept promising me everything was ok ( including the real estate agent ). And, I feel that since they were the sole reason we lost the {$350.00} that they should reimburse us this amount. The mortgage company did reimburse us the appraisal fee but refused to reimburse any other fees " because that 's real estate for you ''. Yet, if they had n't lied and were n't deceitful towards us we would n't have been out any money what so ever. XXXX XXXX tried making me feel bad they he had to pay for a " rapid rescore ''. I did n't ask for the rapid rescore. My husband and I were given a very specific list of things to tackle for XXXX to approve the loan. We did EVERY SINGLE ITEM ON THIS LIST and was still lied to throughout the entire process. I want my {$350.00} that my husband and I are out.

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 2017-02-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation

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 2015-07-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Have tried to retrieve report on line - reports requested- with information - went directly to : we can not process your request, please call or request by mail '' when I call I can not get anyone on phone to help just given address and request for mail in form and payment check to process - wanting copies of SS card and other info - I have no way of securing info once it is mailed-all agencies are doing same thing -

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief