BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX  XXXX Acct # XXXX Date of late payment ( XX/XX/2019 ) I also respectfully request to be provided proof of this alleged item, specifically proof that this payment was in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) I have my account on automatic payment so I dont understand how that I was late. If you investigate my payment history, you will see that prior or after alleged late payment in XX/XX/2019, I have never been late paying required amount of bill.

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 2021-04-15
Company: Student Aid Experts
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 status incorrect

Complaint:
My name is XXXX XXXX and I am XXXX. I took out a student loan to attend XXXX XXXX. I had to stop going to the university because of my XXXX and when I tried to make payment arrangements to repay my student loans, they attached my social security payment and then I have paid about {$2000.00} due to the garnishment. Then I tried to have it forgiven by the department of education and I called the social security office and was told that I couldnt get the form required because they ( social security office ) was closed due to the pandemic and then due to the pandemic, my garnishment was suspended and now under the cares act ordered by president Biden, my student loans have been forgiven but they are still listed as delinquent and unpaid on my credit report! Can you please help me??

Company response to consumer: Untimely response
Consumer complaint received 2019-01-09
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Third District Court has issued a Pretrial court date on XX/XX/XXXX at XXXX which I will provide the Judge XXXX the first police report of my home being broken into by criminals after I was threaten to not to go to the police and the second police report in regards of my XXXX  accounts being taken over and fraudulent checks deposited and then used by criminal without my knowledge and then asking the bank to do a FRAUD investigation in which XXXX assumed I gave out my password which is FALSE there is just too many issues surrounding this case and NAR inc lack of disclosure to the courts that I am XXXX on XXXX benefits and all my assets are judgement proof. Secondly, NAR inc has withheld information to the courts of fraud stating there was no Fraud so I submitted to the courts copies of all the FORGERY checks put in my name that were documented by their client XXXX. Additionally NAR inc previously ignored my Debt validation letter stating it was frivolous even the though the law states clearly under the FDCPA of my rights to dispute the debt and collection activities must cease regardless if they feel the letter was generic it should have been honored especially considering there was FORGERY CHECKS on file. The verbiage was legal and they willfully ignored the law and pursued collection attempts anyways. Furthermore, they have notified the courts of a false alleged attempt of serving papers when I wasn't even in the state of XXXX  after having my life threatened I left and went to XXXX for a period of time for my safety. As of now the Third District court after receiving the copies of FORGERY checks, and the fact I wasn't in XXXX  set ASIDE the judgement and issued a court date XX/XX/XXXX at XXXX. Which I intend to explain to the Judge in full detail of the situation and information being withheld including the second police report which I will have in court. NAR inc needs to be investigated by the XXXX  attorney general office for its shady and bad collection practices. I went to XXXX reviews there is countless back to back complaints of consumers seeking help with filing complaints against NAR inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2023-01-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX department of education XXXX XXXX Both of these accounts are showing misleading info and needs to be updated

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 2022-10-19
Company: EQUIFAX, INC.
State: SC
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:
Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX Comment : inaccurate, DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my Equifax report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX- Everytime I dispute with Portfolio the Company raise the fees by {$200.00}. 00, or more after the dispute they lower it to the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a XXXX  auto insurance policy and a few months in I cancelled the policy and bought a policy with someone else but there was no money owed to XXXX, the collection agency doesn't help and this is on my credit report and it is not owed. I have called customer service repeatedly to let them know I paid all of my bills and they still refuse to take this off my credit report and call me everyday please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called XXXX XXXX XXXX and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX  about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how XXXX XXXX XXXX can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-09
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: Account information incorrect

Complaint:
I never gave XXXX  XXXX  or Experian consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Transunion regarding inaccurate information ( Ref : XXXX ). Unfortunately, despite filing my initial dispute on [ date ] and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from Transunion The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2023-07-26
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-10-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold/transferred to Mr. Cooper ( Nationstar Mortgage XXXX XXXX XXXX XX/XX/XXXX. My mortgage has an escrow to pay my insurance and taxes. My XXXX XXXX premium was due on XX/XX/XXXX. The payment was not submitted and I received a cancellation notice with a payment due date and incurred late fees of XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX. In their response they state my XXXX XXXX had been cancelled since XX/XX/XXXX and that there was a XXXX XXXX policy initiated on XX/XX/XXXX. I've resubmitted my policy statements which detail the policy was active and current up until the change of mortgage servicer. My prior mortgage service had submitted payments and my policy was never cancelled. I have attached all the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: WA
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:
In XXXX my Experian FICO 8 score was a XXXX I used their product " score simulator '' and it told me if I paid down my debt by XXXX dollars my score would go up to 700. I paid my debt down over XXXX dollars and my score is still a XXXX. I attempted to talk to them on the phone and the lady said she was not qualified to answer why that is the case.

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