BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attempted to have personal information like names, addresses, and date of birth updated with Experian. Called and spoke with someone claiming my info would 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 explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: AL
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 self account credit builder is paid in full an receive a check from the how it still saying close an taking point from my Experian account after my credit was in good standard I hereby request them to stop reported false information to drop 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 2022-10-13
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Husband died and I was not on the mortgage. I was not working but STRUGGLED to make payments. Bank XXXX XXXX was the mortgagor for 23 years before selling to Serterus. Serterus sold mortgage to Mr Cooper, Mr Cooper sold mortgage to RightPath Servicing in XX/XX/XXXX. I was told by a representative in XX/XX/XXXX that if i applied for forbearance i did not have to make payments for 6 months but could if I wanted. I asked the representative what happens at the end of 6 months ( XX/XX/XXXX ) and the representative said " you will resume your monthly payments. '' ) I had XXXX which has developed into long XXXX, after I had both vaccines and a booster. 
In XX/XX/XXXX I sent Mr Cooper a payment for {$1100.00} which they accepted. RightPath Servicing took over the account in XXXX XXXX, XXXX. I did not get any statements from RightPath until XX/XX/XXXX. Because my name was not on the mortgage RightPath employees REFUSED to talk to me although I sent an Affadivit of Descent and was told by XXXX XXXX and XXXX XXXX that that was sufficient and It would be approved by XXXX XXXX within 10 business days. I called back after 20 days and spoke with XXXX in Arizona who promised to speak with XXXX XXXX I was not called back by ANYONE at RightPath nor will anyone talk to me. I sent RightPath a check for {$2500.00} via certified mail and return receipt and it was returned to me on XX/XX/XXXX. On XX/XX/XXXX I sent a NEW check for XXXX which has not been credited to my account. 
Today XX/XX/XXXX I just recived a letter from Rightpath telling me the DOCUMENTS I need and the amount of payoff. 
The clerk and an ATTORNEY told me the AFFIDAVIT of DESCENT should have been enough because I am the ONLY HEIR. 
I feel this is and was an unfair practice because I feel they want to foreclose because of the balance is about {$7000.00}!!!! 
I am 72 years as of XX/XX/XXXX and have long XXXX. 
Please speak to them on my behalf. No mortgage company wanted the house when I had a HIGH BALANCE but now they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-10-13
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:
XXXX XXXX account has shown up own my credit report fraudulently. The account shows a balance of {$2000.00}, which I had to call and settle with the company just to purchase my home last year costing me thousands of dollars. This issue almost cost me owning my own home. I disputed the fraud account XXXX and XXXX has taken off the fraudulent account, Experian on the other hand has not removed the account that is hurting my credit score and reporting falsely on their systems. I have disputed this item multiple times. I even attached an FTC report and filed another dispute XX/XX/2022. Those result came back as updated. This item is detrimental to my credit profile and is against the CFPB. My credit profile is my financial representation and this false and fraudulent account is harming any new possible opportunities.

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 2021-01-12
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:
My identity was stolen and someone applied for a student loan.

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 2023-10-23
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: Account information incorrect

Complaint:
To Whom It May Concern : I have submitted disputes to Experian over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that Experian has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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 XXXXXXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX NA 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 XXXXXX/XX/XXXX + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 



Experian can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-09-27
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent XXXX XXXX XXXX a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how the agency have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( SOL ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. XXXX XXXX XXXX have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating my account from your records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, without my prior, written consent. The agency has also failed to provide proof that the courts have furnished the reporting agency with these records and has failed to show where the access was granted to furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent ID : XXXX Resurgent ID : XXXX Resurgent ID : XXXX Resurgent, also known as LVNV Funding LLC has reported unverified debt amounts in my name to each of the three credit reporting agencies, preventing me from renting a place to live, yet has not provided the debt verification I need. They only sent a significant number of letters stating that my claim is not valid, in response to my request for details of how the charges were arrived at, and the last statement of total amounts due, stating that is all they legally had to provide me. I dont owe these inflated amounts of money. I finally resorted to mailing them a request for debt settlement request for each of the above accounts. I was ignored as always. I only offered settlements because I saw it as my only way out to get these off my credit report and out of my life. Now, I understand this is extortion, and I should not pay them anything until they tell me the details of this debt. I have included copies of my initial disputes in an effort to gather the necessary information. I will add a folder of their communication to me when I get home today ( XX/XX/2023 ) If I am allowed to do that. This is urgent as they now threaten to sue me even though they wont let me see my records. In each case, I filed my dispute within the allowed time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Conspiracy Against Rights. ( A Federal Crime Has Been Committed ) By XXXX.Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received notification of an increase in my mortgage payment effective XX/XX/2019. According to the statement I received, my monthly payment would increase from {$590.00} to {$640.00} unless I chose to pay a lump sum of {$480.00} to cover an escrow shortage by XX/XX/19. I sent in a check for {$490.00} along with the statement slip to cover the escrow shortage mortgage coupon as directed. My check included " Escrow Shortage '' and the acct number on the memo line. My monthly payment for XXXX was sent to Lakeview through my bank auto pay in the amount of {$610.00}. Lakeview processed the escrow payment on XX/XX/2019 which should have changed my monthly payment amount to {$600.00}. However, my statements since XXXX have shown {$640.00} as the amount due. When I looked at my payment history online, I found Lakeview had applied the {$490.00} as a partial monthly payment for the following month ( XXXX ) instead of an escrow shortage payment. When my XXXX payment was automatically sent at the end of XXXX, Lakeview posted it as a Principal Curtailment rather than my monthly payment. I emailed Lakeview customer service on XX/XX/XXXX after submitting an inquiry to Customer Service via their website and not receiving a response. No response to my email either. 
I mailed a letter to Lakeview in mid-XXXX asking them to properly credit the {$490.00} posted on XX/XX/2019 as an escrow shortage payment and correct the XXXX and XXXX payments to reflect the {$610.00} as monthly payments of {$600.00} with an additional {$3.00} as a principal curtailment. No response. 
On XX/XX/XXXX, I emailed customer service again including an explanation and a copy of the letter I had mailed the month before. Finally, on XX/XX/XXXX, I received an email response stating that Lakeview 's Payment Processing Team would be reviewing my account. Online, it shows misapplication reversals were entered on my account one of  which removed the escrow entered as a short payment then applied it on XX/XX/XXXX as an escrow payment due on XX/XX/19 ( originally due XX/XX/19 ). An escrow advance for {$330.00} was entered on XX/XX/XXXX with a due date of XX/XX/19. However, there are also 4 misapplication reversals made on XX/XX/XXXX for my monthly payments for XXXX, XXXX, XXXX and XXXX which were never reapplied correctly. There have been no other transactions since XX/XX/XXXX despite the email I sent 2 days ago telling them it now appears I am 4 mortgage payments behind.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: NV
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2022-10-13
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX XXXX XXXX and didnt understand how credit works. I was a co signer to my aunt who passed away due to XXXX. She was admitted to a hospital in a different state the car company wouldnt let me get the vehicle because I didnt have a license. She paid every month on time intel she passed away in XXXX. By the time I received a letter it was already too late to save the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 2023-06-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 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 2019-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to the Oklahoma Flooding and Tornado Disaster we were forced to move. We moved out of state due to prospectively gaining employment at a hospital. We were approved for a payment arrangement on XX/XX/2019 and filled out complete for both auto loans, and mailed on XX/XX/2019. 10 days later only one auto loans was processed for the extension, the other was never processed to date. Capitol One states that they never received the second extension signature page. I find this odd because both sheets of paper were mailed in the same envelope and one auto loan was in fact processed. They have now denied me an extension due to not replying and completing the sign form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/, I was at an XXXX XXXX XXXX store to transfer my business plan from XXXX to XXXX XXXX XXXX XXXX but during the transfer process they started, I was informed that it would not be possible to continue because the system denied it, However, they had already transferred one of the lines and charged my credit card for the taxes, They told me that this device would have to leave the old one and pick up the new one, but by canceling the operation would no longer be necessary. Almost 1 month later they refunded the fees to my credit card, been receiving charges as if I had picked up a cell phone, in this case a XXXX XXXX XXXX XXXX XXXX, something that never happened, ever, I purchased no device from this operator or store. I've called customer service several times, I've been to the store and spoken to the store manager ( XXXX ) several times to have this resolved and I heard that everything was fine but in reality it wasn't. Is it fair to pay for something you never even bought and didn't acquire? I even have conversations informing and requesting solutions from the store manager via 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 2022-10-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to get the credit freeze off of my credit file for all 3 Bureaus with little to no success. I am looking for a new apartment yet the complex can not get in my files. I have never had any type of security PIN yet they keep asking me for one. I respectfully request any and all fraud alerts or freezes be removed from my file at once.

Company response to consumer: Closed with non-monetary relief