BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to the FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ), XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove the inquiry immediately. The above company has been XXXX XXXX XXXX keeps running my credit repot without permissible purpose .The company keeps pulling my credit without my permission. This has been happening since XXXX XXXX. And again on XXXX XXXX they should not be running my credit report they have no reason to keep run 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Balance : {$270.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX  XXXX Balance : {$24000.00} XXXX XXXX Balance : {$100.00}

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 2022-10-21
Company: EQUIFAX, INC.
State: IL
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:
I am tired with all the stalling tactics of the Credit reporting agencies to have the disputed accounts and information removed from my Credit File. I have been submitting countless CFPB Complaints and CFPB Complaints against the Credit Reporting Agencies and it is clear that they are not willing to comply with the Federal regulation FCRA section 605b. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Federal law. Also, the Credit reporting agencies have been continuing to report the disputed accounts as accurate and verified despite the fact that they have not sent me any proof of verification or poof of ownership. This will be last attempt to correct my Credit File by submitting a CFPB Complaint. In the event I review my Credit File on my next available Credit report, and see that the Credit Bureaus have not removed the disputed accounts, I will be filing the lawsuit my legal team have been preparing for quite a long time. The Credit Bureaus get to choose whether to face the lawsuit or have the disputed accounts removed from my Credit File. Once again, here is the list of accounts that should be removed : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-21
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter from a collections agency about a utility account in XXXX TX. I have never lived in the state of Texas. I began to do some research and found 5 utility accounts on my credit in the same area. The first was Online information service, a collections company representing XXXX XXXX for {$800.00}. This fraud began XX/XX/XXXX. Another was XXXX XXXX XXXX, another collections company representing XXXX XXXX for {$500.00} in Texas. This account was opened in XX/XX/XXXX. Another is XXXX XXXX in Texas for {$540.00}. I have been disputing these accounts with the credit bureau 's. These are the accounts still on my credit. I tried to file with my local police department but they referred me to XXXX website. It is now XX/XX/XXXX and I am getting nowhere with these companies to get this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate items from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter. I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved. I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report. Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent. Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report. Ensure that no further negative impacts occur on my credit report due to these inaccuracies. I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit 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 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 2022-10-21
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: Account information incorrect

Complaint:
the 3 credit reporting agencies are reporting inaccurate information by recording my " transactions '' and or " experiences '' according to title 15 usc 1681b and 1681 ( 2 ) ( A ) ( i ) and 15 usc 6802 I have a right to opt out. where is the disclosure on this information? because this information is reporting inaccurate I want these late payments removed immediately. thank you

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 2022-09-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan serviced by Carrington mortgage service was under covid forbearance from XX/XX/XXXX until XX/XX/XXXX. I was discussing several options of how I might go out from forbearance during XXXX, unfortunately because of covid it was not possible. 

By the end of XX/XX/XXXX I got a letter from Carrington that my forbearance had reached the maximum and that I should contact them. I called them sometime in the beginning of XXXX and have asked for a typical covid repayment plan, like flex modification option or deferral since the loan is owned by XXXX XXXX 

Instead I was told that I can not get those covid modification options and that have to order and fill out a full loss mitigation application as well as proving documentation and proof of income etc which is a very difficult task for me since I am self employed. 

This has brought the situation that I am now at risk of losing this home to foreclosure ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I sold our home and were owed {$4900.00} by Lakeview Loan Servicing , LLC from the escrow refund. Someone else cashed this check into their account. 

On XX/XX/XXXX I received a call from a fake XXXX XXXX XXXXXXXX number ( XXXX ) asking me if I authorized someone not related to me to cash in a check. I said no and they said they were going to void the check as it was fraud. I asked who was trying to do this and they said they could not provide me information about that but that it was in cashed in California.

I called Lakeview immediately at XXXX XXXX to notify them that someone tried cashing in the check they sent me. Lakeview said they could send me another check, but that they could not do that until 30 days from the date the check was issued. It was issued on XX/XX/XXXX so I had to call back after XX/XX/XXXX. 

On XX/XX/XXXX I called Lakeview again and they said they were going to be mailing me another check. 

On XX/XX/XXXX I called to check the status of this as no check had arrived. They told me they did not send out a second check because the original one was cashed on XX/XX/XXXX. I told them this should not have happened as I alerted them on XX/XX/XXXX about the fraud. 

I have called Lakeview multiple times asking for my money. They said the check they sent me was endorsed and when I asked for a picture they sent me a picture with the endorsed part cut off. I let them know and after being placed on a long hold, they sent me a picture that with someone else 's name on the endorsed section. They give me conflicting stories each time I call and sent me some forms to mail to XXXX XXXX. XXXX XXXX has told me multiple times that they can't help because Lakeview is the one with the account, not me. Today when I called Lakeview they had another phone number attached to my account XXXX XXXX ). This number does not belong to me or my husband. I looked it up and the number seems to belong to someone in New York.

My husband and I would like for Lakeview to pay us the money we are owed.

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 2022-10-21
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2018-08-09
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I had credit cards through First National Bank of Omaha in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. I received a judgment from XXXX XXXX XXXX XXXX for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.

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 2022-09-13
Company: EQUIFAX, INC.
State: NY
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:
This is in reference of a XXXX XXXXXXXX account I've writing the credit bureau XXXX Equifax XXXX about this account for the past month regarding the the wrong information that's in there for them to remove but its there effecting my credit, if after any reinvesigation under paragraph 1 of any information disputed by a consumer an item of the information in found to be inaccurate or incomplete or can not be verified the consumer agent shall promptly delete that item of information from the file of the consumer or modify that item information as appropriate base on the result of the reinvestigation Also take into consideration this account dated since 2006

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Account information incorrect

Complaint:
XXXX XXXX Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my XXXX XXXX account would update on the XXXX of Every Month and it had stopped, I reached out to the XXXX XXXX XXXX XXXX ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were

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 2022-10-21
Company: EQUIFAX, INC.
State: CA
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 the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please remove this account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I submitted an Error Resolution Notice under 12 C.F.R. 1024.35. This letter was received by Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX ) on XX/XX/XXXX, as USPS has verified receipt of the letter and signature by person XXXX XXXX. 

As at the time of submission of this report on XX/XX/XXXX, I have not received an acknowledgement to the letter or investigation from Mr. Cooper, despite several attempts to correct an issue related to multiple erroneous charges for Mortgage Insurance ( NATIONAL MI  ), totaling {$3000.00} in excessive withdrawals from my mortgage escrow account, all being delivered to NATIONAL XXXX which is owned by Mr. Cooper. 

Here are the facts : 1 ) My mortgage was purchased by Mr. Cooper from XXXX on XX/XX/XXXX. This mortgage only started on XXXX of XXXX after a re-financing from a different bank. 
2 ) For the months of XXXX and XXXX, Mr. Cooper has withdrawn {$510.00} a total of EIGHT ( 8 ) times each, for the concept of Mortgage Insurance, and paid to NATIONAL XXXX despite the mortgage only having been in Mr. Cooper 's portfolio for 2 months. Six ( 6 ) of these withdrawals are erroneous and need to be credited back. 
3 ) I have contacted Mr. Cooper several times as follows : - Over the phone twice on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over error resolution notice ( physical mail ) on XX/XX/XXXX, signed delivered XX/XX/XXXX I kindly request the assistance of the CFPB for resolution, as my mortgage escrow is now in negative balance. I believe this is a result of a systems glitch in Mr. Cooper 's transfer of my mortgage to their systems, which is going to result in a charge of {$510.00} multiplied by each month of life of my mortgage every single month, rather than a single charge. This is exponentially going to accrue to hundreds of thousands of dollars of erroneous withdrawals unless Mr. Cooper takes immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: AFNI INC.
State: CA
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 contacted

by Sprint in 2019 about a debt owed, inform Sprint that I was not the one who started the account and everything was resolved. Until recently this 3rd party debt collector Afni contacted me about owing money. They had one guy verbally harassed me over the phone calling me the XXXX. I am so hurt and afraid every time they call my number. Not sure who or what I will get.

This debt was resolved a long time ago, not sure why Sprint sold to Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified mail was received on XXXX by ( debt collector ) requesting validation of debt. They responded with medical records, a DIRECT violation of XXXX regulations. 
Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a XXXX form authorizing access to any such medical records.

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