BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This company and Experian refuse to remove the incorrect information reporting on my credit report. I have contacted both Experian and the company XXXX and most recent was XX/XX/XXXX. The company is violating several laws. The company has refused to send any documentation bearing my signature to this date. They continuously reage the debt. The account was showing opened in XX/XX/XXXX, but the balance was updated XX/XX/XXXX. The account is listed as paid, was chargeoff. How can the account be listed as both. This is inaccurate. The account is showing past due 120 days in XX/XX/XXXX, but happened to 30, 60, 90 days past due. The original balance was showing {$6700.00} buth there is no past due amount but yet the Creditor updateed the status on XX/XX/XXXX to paid, was charge off. Under South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years. As an article from the U.S. Federal Trade Commission ( FTC ) explains, the statute of limitations typically begins ticking once a debtor fails to make payments on the debt. 
I will sue both companies based on these laws ; 15 U.S. Code 1681a - Definitions ; rules of construction. ( k ) Adverse Action.

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 2021-04-02
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
In accordance with the fair with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A- States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2- states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states- no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2021-05-15
Company: EQUIFAX, INC.
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX for no apparent reason and while all payments were being made from XX/XX/XXXX to XX/XX/XXXX timely and according to the terms and condition of my mortgage agreement to pay the lender {$1200.00}. On XXXX XXXX I had receive an alarming letter from LoanCare offering an immature foreclosure options suggesting homeowner assistance to a repayment plan in which I was not behind on my mortgage for the lender to make the following suggestion ; next the lender then offer me a loan modification when there was no need for a loan modification considering the fact, before covid-19 I was current. In addition to those two option they also, included short sale and settlements as an attempt to collect a debt. I find sending me a debt collection letter as in attempt to collect I debt that I do not owe to be professionally negligent in their duty in handling my mortgage account with the upmost care and attempt to be unjustly enriched when I made 13 payment from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX the account was current and the beginning of escrow balance was {$540.00}. Since XXXX the lender has : ( 1 ) Charged {$4100.00} in Attorney Advance Distribution fees ; ( 2 ) Due to Covid-19 the 14 months of non-payments amount due to LoanCare is XXXX without late fees ; Here, LoanCare has charged to my account {$25000.00} which included changing the term of the mortgage payment from {$1200.00} to {$1300.00} including additional {$7800.00} for attorney fees ; ( 3 ) Violation of FHA Annual Reduce Premium and non-attorney fees are not allowed on a non-foreclosure proceeding. I have contacted the company during by phone on XX/XX/XXXX  regarding the attorney fees being reversed and my account being corrected to show the true amount owed and I have yet to here from the lender regarding this matter.

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 2023-07-07
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 found Midland Credit Management reporting on my credit report and disputed it as unrecognized. The Credit Agencies reported back on the dispute as correct per Midland. They told me to call Midland directly at the number listed on credit report ( see attached item # 1 ). Midland told me they can not speak to me, as they no longer have the file. They had me log in their website and showed me the phone number for XXXX XXXX and said to call them, they have no information on the debt anymore and are not permitted to speak with me about it. I haver called XXXX XXXX several times over the course of four weeks and only am placed on hold after pressing prompts. I wait 20 minutes or more and no one ever answers the phone. I call XXXX XXXX the original Creditor, and told them the above. XXXX XXXX states that their records show they charged it off and sold it to Midland Credit Management., to call them again. I called Midland again and asked for a supervisor and explained why. She apologized but said she can not tell me anything, but she would send an email to XXXX XXXX asking them to call my cell number ( which I provided.to her ). I can not understand how they can claim they own the debt on my credit report and verify its info with the credit reporting agencies, but tell me they have no information on file anymore and they have no jurisdiction to speak with me about it anymore. How can they then verify they own it and corroborate its accuracy on my credit report when it was recently disputed? I am trying to get validation of this debt, but the supposed " owners '' of the debt refuse to tal to me and refer me to another party who will not answer there phones. I can show phone records of my attempted multiple calls and wait times. This should not be legal and it appears they can not validate the debt since they can not speak about it,. Secondly, this XXXX XXXX has never sent me any communications as required nor has either party allowed me to validate the debt, including the supposed owners of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On multiple occasions the department of Navient / XXXX XXXX placed my account into forbearance. I received emails from their employees that said respond yes to this message to place your account into forbearance. Me not being able to afford the outrageously high payments being offered I agreed to the forbearance and responded yes. I have accrued several thousands of dollars in interest over the last 5 years without them attempting to set me up with feasible payments. Im questioning the legality of what they are practicing. Do I qualify for the class action suit against Navient? Should I seek legal representation? Im aware of the multiple forgiveness programs available now but thats after the fact that Navient caused me to accrue roughly 10,000 to 15,000 dollars in additional interest. Please explain to me what my options are. Thank you for your time.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies. 

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
DISCOVER SEND ME MY MONTHLY STATEMENT WHICH I NOTICE THAT INTERSET IS JUST AS HIGH AS MY $ XXXX MONTHLY PAYMENT ( {$130.00} INTEREST RATE ) FOR LAST TWO MONTHS THAT I NOTICE LOOKING AT THIS MONTH & LAST MONTH STATEMENT MONTHS BEFORE THAT I WAS JUST PAYING LIKE {$24.00} FOR INTEREST RATE REACH OUT TO ASK THEM WHY JUMP IN INTEREST RATE ONE PERSON TELL ME BECAUSE IM AT MY LIMIT ON CARD WHICH STILL DO NOT SOUND RIGHT AT ALL I TOLD PERSON THIS WAS YESTERDAY CONVERSATION GOT DISCONNECTED SO I REACH OUT TODAY WITH SAME QUESTION AND LETTING PERSON KNOW I HAVE OTHER CARDS WITH SAME RATE XXXX & INTERSET MONTH IS ONLY {$24.00} LIKE IT BEEN WITH DISCOVER UNTIL LAST TWO BILL STATEMENT LETTING THEM KNOW THAT IT IS PREDATOR LENDING AND IT AGAINST LAW THAT I WILL BE REPORT IT ONLY THING XXXX DID WAS SEND OUT RATE WHICH I KNOW IS XXXX LIKE MY OTHERS CREDIT CARDS AND INTEREST DID NOT JUMP UP TO AMOUNT OF MONTHLY PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management called my XXXX  and disclosed my debt and account number. They also told my XXXX  that an attorney would show up at the door if she didn't setup a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called by an alleged Navy Federal Representative before I was XXXX XXXX XXXX XXXX  about fraudulent charges that weren't on my account when I looked. The representative asked me for my security word and to give to read back a code I logged into my bank with the link they sent me. I was XXXX  during the occurrence of these transactions I have no idea who has gotten my information however claims were made in my name that I've never made as well as transactions for XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is all fraudulent and not authorized by me. I need my funds returned into my account and the previous account that was closed to be marked as due to fraud and by law not be liable for the identity theft fraud that occurred with the old accounts. I have since been walked through the steps of signing in and getting a new account. changing all passwords and usernames. I demand the previous account to be marked down as closed due to identity theft fraud. The fraudulent was already closed and new accounts opened due to this fraud. I need debt incurred by identity theft to completely deleted from system or marked as identity theft. Ive since restored access to my account and changed passwords and username. 
FCRA states my consumer report and information reported to any consumer agency will be complete and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Since XXXX I dont escrow reason why Im a XXXX XXXX Im exempt from real estate taxes and since XXXX I have maintained home insurance and I pay insurance once a year. In XXXX I refinance my home with XXXX XXXX XXXX. From XXXX I have XXXX, XXXX and now Carrington mortgage services. I have been paying Carrington since last year XXXX and the other the same amount now since last month they raise my monthly payment they implemented their own insurance and taxes when theirs no taxes bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
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:
See attached documents.

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 2021-03-11
Company: Experian Information Solutions 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:
In XXXX, I learned that my Mortgage note with XXXX XXXX XXXX  had been sold to XXXX  XXXX  XXXX. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called XXXX to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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