BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: MO
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 requests for validation of debt for the XXXX  XXXX loan on my credit reports. After receiving NO validation or information after 30 days XXXX an XXXX both closed and removed the account from my credit report. Meanwhile Experian not only did they not provide any information of validity but duplicated the acct so now there are 2 collection accounts on my report for the exact same loan just showing a slightly different amount due to interest charges I am guessing. I have attempted to dispute on more than one occasion an have received no valid response.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2023, I went into my Bank to Deposit a Cashier check I received. An employee of my bank said I could not Deposit the Cashier check.

I received a Cashier Check from a class action law suit regarding a car I bought fifteen years ago. Fifteen years ago when I bought the car, I had to have my mother co-sign for me. When I received the Cashier Check dated XX/XX/2023, from a class action law suit, it has my name and my mothers name on it. My mother did sign the back of the check and so did I. The bank employee said my mother had to be present with her ID in order for me to deposit the cashier check. I told the bank employee that my mother is XXXX XXXX XXXX and lives in XXXX which is over an hour away. I asked if I could XXXX my mother and she could show her ID that way and bank employee said No. I XXXX my mother to tell her what the bank employee is telling me and my mother offered to go to a branch of my bank that is a lot closer to where my mother lives and the bank employee said No and then proceeded to tell me that she needed my mothers thumb print. 
The Bank employee did not help in any way to resolve this matter, the bank employee did not look up my account to see how long Ive been a customer, she would not talk with my mother, she brushed me off and would not help me in any way or my mother who lives over an hour from that bank whose XXXX XXXX XXXX. 
I have a cashiers check dated XX/XX/2023 for the amount {$360.00}, I want to Deposit into my checking account, Please.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: GA
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 fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX account number : XXXX. XXXX account number : XXXX. XXXX account number : XXXX. XXXX XXXX XXXX account number : XXXX. XXXX XXXX account number : XXXX. XXXX XXXX account number : XXXXXXXX XXXX XXXX loans account number : XXXX. XXXXXXXX XXXX Loans account number:XXXX. XXXX XXXX XXXX Loans account number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call 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 2023-05-10
Company: Experian Information Solutions Inc.
State: RI
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:
Experian is reporting inaccurate and nonfactual data /information on Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. They are reporting inaccurate Past due amounts, a false Balances which has increased even though accounts are closed, and amount is paid in full. Experian is also reporting accounts open when in fact they are closed these are all are negligent and inaccurate reporting and nonfactual. reporting Inaccurate information and nonfactual information is not in compliance with the FCRA. Should Experian continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Experian for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Experian 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt which has been paid against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus without validation and continued reporting of inaccurate information it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed and deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 Balance : {$8400.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX  {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: U.S. BANCORP
State: IN
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:
Since last year, I have been trying to get two US Bank accounts ( ending in XXXX & XXXX ), that no longer belong to me, removed from my credit reports without success. As they are no longer joint accounts, I am no longer liable for any of the transactions, charges or balances on these two credit card accounts. 

US Bank has been notified, both verbally and in writing, multiple times in XXXX & XX/XX/XXXX, while both accounts ( XXXX & XXXX ) were in good standing, to remove me from two credit card accounts as a co-applicant, authorized user, or in any other way even if it meant closing both accounts, which they eventually were. 

XXXX has been provided copies of the written correspondence sent to US Bank instructing them to remove me from those two accounts. To this day US Bank has ignored all of my attempts and failed to comply with my explicit instructions. 

PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORTS NOW. 

XXXX XXXX XXXX XXXX XXXX, IN 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 2022-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX dollars even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXX years and money lion refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not XXXX who opened this acct XXXX ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX  refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX years ago XXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX pppm who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have two cards with XXXX XXXX XXXX. One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.

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 2018-08-02
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1.XXXX XXXX lied about rate 2.final bill was in dispute w 1st collect agency for 8 months 3.results were to send charges back to XXXX XXXX 4.when i call XXXX back for 2 months reps claimed no knowledge and that i would receive info in mail to be patient 5. 1 year later i receive letter not from XXXX XXXX  but from new collection agency SAS, LLC 6.Called immedietly made payment 7. CURRENT SAS, LLC COLLECTIONS REFUSES TO REMOVE COLLECTION WRONGFULLY REPORTED FOR FINAL BILL I PAID FOR AND STAYED ON TOP OF FOR OVER 1 YEAR.

I CURRENTLY HOLD 17 ACCOUNTS OPEN ALL IN GOOD STANDING AND 100 % PAYMENT HISTORY FOR OVER 6 YEARS. I KNOW THE IMPORTANCE OF MAKING PAYMENTD ON TIME. SO I ASK THAT U LOOK INTO MY MATTER SO I COULD HAVE THIS WRONG REPOTING TO MY CREDIT REMOVED. THANK U. 



XXXX XXXX LIED ABOUT THERE OFFER TO ME. 
I had decided to use XXXX XXXX for my cable tv needs. i was offered XXXX a month w more channels that i had w XXXX XXXX. also no activation, free XXXX XXXX, free movie channels and all sounded good. at first i was exited that i was getting a good rate so for the first 3 months i recieved no bills in the mail, turns out that when they asked me to give them a XXXX dollar DEPOSIT from my credit card it was to show that i was being serious about the service. come to find out out through my bank account they had really set me up w automatic withdraw from my account witch i never authorized. i called immidetly and had charges adjusted and for months i continued to call back and get adjustments. till the 1st year of our 2 year contract witch by the way i also didnt know about came about. after the 1st year was over rates tripple witch at that point i made the dicision to cancel the service. I continued to dispute the charges and was referred to a collection agency witch said they would put my account in investigastion. after 6 months collection agency said accoun t was sent back to XXXX XXXX. i called XXXX XXXX and asked for info on the aACCOUNT. THEY WERE unable to pro-vide me w any info and that i would recieve something in the mail.i waited and waited till today i recieved a letter froma new collection agency asking me to pay full balance and making aware that it was wrongfully notified to my credit witch i take good care of. i paid them there balance immidetly and asked them to remove it ferom my credit and they refude to remove so that why im filing my complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
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 non-monetary relief
Consumer complaint received 2022-07-14
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We obtained a mortgage from XXXX and during the pandemic a deferral process was offered. We were told that the amounts deferred would be put on the end of our mortgage loan. Towards the end of the months able to be deferred ( around XX/XX/2022 ) XXXX transferred all their mortgages to a company called Mr. Cooper. Mr Cooper failed to honor the deferment process making the home owners go through another approval process in which the clients were not allowed to owe more then 18 months. Each month we spoke to a different agent and we were told different stories. Some said only one payment was required and another one would say 2 payments were required and most recently on XX/XX/2022 we were told one payment was required to enter into the application for approval docket. Meanwhile they had been reporting to the credit bureau that we were not making payments that were SUPPOSED TO BE DEFERRED! So on XX/XX/2022 I called to make that monthly mortgage payment that I had been making since XX/XX/2022 and was told that I was unable to do so unless I paid TWO mortgage payments! So, we are at risk of ruining our credit so unable to refinance, at risk of losing our house, and been lied to for months as they called EVERYDAY to the point of harassment and when we would answer the agent would say they need the information on the account because they were unsure of why we were called! Every call was recorded and the agent today stated she was not sure why we were told only one payment was needed and without being given a due date before it would default to two payments and all she could do was have the manager review the recorded line and speak to the employee about it but that would not help us! This is unacceptable! We had an agreement with XXXX which we would not have made had we known we would be put between a rock and hard place! Something needs to be done about this as the representative I spoke with today informed me others had gone through this and had to seek government assistance to solve the issue which should have never been the case to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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: Account information incorrect

Complaint:
I have attempted to dispute an account with Transunion for a few months now. I have also sent a letter to the reporting company and had the letter returned " NOT DELIVERABLE AS ADDRESSED '', which is in violation of the Fair Credit Reporting Act.

I have disputed this account and requested it removed from my credit report since I can not verify the information with the company.

Since I filed a dispute with TRANSUNION, I have been blocked from Transunion " online '' and can not utilize the site anymore. I called Transunion and was informed that since I filed a dispute online, I can not view my credit report or utilize the online system until the dispute is completed. I also informed Transunion that it is in violation of some kind of law because all information is supposed to be completed in the applicable time frames and I can not view my accurate report and can only file a dispute by mail since I have been blocked. Transunion advised me to pay for a report each time and dispute it this way.

If I mail a dispute, 3-5 days in the mail, then 30 days for review, then the results would be mailed to me again since I can not review anything online. This would take approximately 6 weeks for any results of a dispute.

I am including a copy of the letters and a copy of the returned envelope corroborating my claim to have this account removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation