BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: TX
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:
sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : XXXX : XXXX XXXX experian rpts ar XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 times XXXX XXXX XXXX twice XXXX XXXX experian : 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 2019-06-10
Company: SYNCHRONY FINANCIAL
State: AZ
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:
An account is showing on my credit report from Synchrony XXXX XXXX that has been verified by Synchrony that this account is not mines. I disputed the accuracy of this account with XXXX, XXXX and XXXX. Immediately the account was removed from XXXX and XXXX, but XXXX just replied that the account was verified and would remain on my report. I called XXXX to try and explain that this could not be the case because Synchrony has verified I have never had an account with them. The XXXX representative just stated it would stay on my credit file because it had been verified.

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 2017-12-20
Company: Navient Solutions, LLC.
State: KY
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:
Hello, I have tried several times to get to speak with Navient as well as the credit companies ( XXXX, XXXX and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that 120 past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: Experian Information Solutions 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:
On XX/XX/2019, I sent a letter and information via certified mail to Experian, XXXX, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that Portfolio Recovery never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked Experian, XXXX, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested Experian 's, XXXX XXXX, and XXXX XXXX  method of verification and it came back verified again. 

Experian, XXXX, and XXXX  failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because Experian, XXXX, and XXXX  all failed to comply with the FCRA 611  ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.

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 2019-06-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I submitted a cease and desist letter to my mortgage company, Carrington Mortgage Services, requesting all future communication and requests concerning my account be submitted to me in writing. I called Carrington today to inform them that I have not been receiving monthly mortgage statements nor can I access them on my online account. I was informed that my cease and desist request prevents Carrington from producing and providing my monthly mortgage statement in any form. I believe this practice violates my rights as a mortgagee and am submitting the this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to XXXX XXXX  and transunion. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: TN
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.

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

15 U.S.C 1681 section 602 A. It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681 C ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than record of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a resonable cause to believe that the information is inaccurate. 
XXXX XXXX & XXXX ( XXXX Bank ) Account # XXXX. 
XXXX XXXX & XXXX ( XXXX Bank ) Account # XXXX. 
XXXX XXXX Account # XXXX XXXX XXXX inquiry dated 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 2020-10-23
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  an

d Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-06-10
Company: GREAT LAKES
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please see the attached documents including a letter addressing all issues and concerns regarding the loan, documentation, emails, etc. that describes my transaction from 2006 to present. 

Thank you for your time and consideration, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Credit Bureau Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a complaint with CBCS. I was looking on my credit report ( earlier this year ), seeing that I had a outstanding balance from them of XXXX. My first attempt on XX/XX/2019, sending them a certified validation letter which they recieved on XX/XX/2019. I have not recieved a responce back from this company and its been more than 30 to 40 days. I never lived at the address they are saying I lived at, in XXXX. I have never had electric in my name and dont know where this company came from on my reports. I would like to see this removed off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
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:
On XX/XX/2019, I sent a letter and information via certified mail to XXXX, Equifax, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, Equifax, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXX XXXX, Equifax 's, and XXXX 's method of verification and it came back verified again. 

XXXX, Equifax, and XXXX failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, Equifax, and XXXX all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Information belongs to someone else

Complaint:
My issue is with Experian failing to acknowledge documents receive from creditors involving identity theft. I have filed identity theft reports and sent them to Experian several times in the past. Recently, I receive documentation which excludes me from the following accounts XXXX XXXX XXXX acct # ending XXXX and XXXX acct # ending XXXX directly from the creditors. However, Experian has not complied and removed this information from my file. As, I have submitted all proper documents involving identity theft. I am reaching out to the consumer financial protection bureau to assist me in this urgent matter. I have been unable to purchase necessary necessities due to Experian mishandling my credit file.

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 2020-09-09
Company: Law Office of Brett M. Borland, P.C.
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:
Paid off my debt with Brett Borland PC law firm a week ago I am still waiting for my proof that they were paid and confirmation email still was told I would receive it yesterday still Nothing. All this after they had supposedly lost my check for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: AL
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 have submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. Equifax corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my XXXXXXXX and Transunion report to no avail. Even though XXXX  successfully removed the erroneous tradeline after 1 request, XXXX and Transunion have failed to do so. I have sent several requests to XXXX and Transunion requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.

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 2021-08-09
Company: EQUIFAX, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX/XX/XX/2021, I re-financed my my home mortgage. When the refinanced closed, XXXX XXXX  listed the mortgage as " closed. '' It was not stipulated that the loan was paid and closed in good standing. As a result of the closed phrasing, my credit score went down several points. I called XXXX XXXX  to tell them they neglected to accurately categorize the note to the credit reporting agencies. XXXX XXXX  said they'd go back and note the account was " paid in full and closed by customer. '' However, when XXXX XXXX  reported to the credit agencies, they again noted the account was " closed. '' As a result, my credit report took another hit and went decreased further ( went down 10 points -- XX/XX/XXXX ). I called XXXX XXXX  back again and again complained. On the 3rd occasion, they did contact the reporting bureaus and accurately disclosed the account was paid and closed. 
However, as a result of XXXX XXXX  's categorization of my refinance, the my credit score went down over 20 points with the credit reporting bureaus through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My credit report with XXXX and TransUnion reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.

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 2019-06-09
Company: EQUIFAX, INC.
State: NV
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, XXXX XXXX XXXX, woman of flesh and blood, beneficiary to the account XXXX XXXX XXXX ssn : XXXX dob : XX/XX/1992 previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] current living address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX [ zip code exempt ], new mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] have submitted several disputes to Equifax through the CFPB as well as USPS but have received no results and it has now been well over 30 days. 

I received a letter by mail from Equifax stating that they received my request concerning my Equifax credit file but that they could not locate my file. That it may be due to me not having a current file, or not applying for credit recently, or that i have not actively used credit in ten years. However when I logged into Equifax I was able to find my credit file. Is there a reason why you were unable to find my credit file but I am able to? Also out of the two scores presented by XXXX XXXX one of them is connected to Equifax. Equifax has allowed corporations to provide documents affecting my way of living but is refusing to investigate my disputes. Is there a reason you have chosen not to investigate my disputes? i provided Equifax with proof of identity and address, i provided Equifax with account numbers, i provided Equifax with proof of payment in full, i provided Equifax with proof of the corporations receiving payment yet they have taken no action on my behalf to correct my credit file. What is the reason for this? To state that it is due to not locating my credit file when that is clearly a false statement leads me to believe that you are working for the corporation and not for we the people. Equifax has allowed these corporations to continue to destroy my credit score in an attempt to extort more money from me. Provide lawful reason as to why you have taken no action to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter back in XXXX stating that I had an escrow shortage of about {$1500.00}. Dovenmuehle stated that my mortgage payment would be increasing to cover the deficit. The year before ( 2019 ) I received a letter stating that I had an overage for the same amount. I did not receive a refund and when I asked Dovenmuehle about that they said that those overage funds wouldn't be given to me because I am in a chapter XXXX payment plan. I let it go at that point. I asked back in XXXX why my escrow has a shortage and why can't the overage funds be applied to the deficit? Why did I have an overage in the first place? I have called Dovenmuehle multiple times and also have sent emails along with a letter from my bankruptcy attorney and nothing. I have been promised a call back from and XXXX, XXXX XXXX ( sp ) whom is a supervisor and I still haven't heard anything and I sent an email to the research department that I received a receipt for but no response. I know by law they are to respond within 30 business days. It has been well over 90 business days at this point. I would like this matter resolved and my mortgage payment adjusted to the right amount. If they could audit my whole account including my payments from my trustee to make sure that they are properly being applied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted investigations into these inquiries and details as to verifying these inquiries and I receive no information as to how the investigation was conducted and information confirming these inquiries. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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