BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
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: Public record information inaccurate

Complaint:
I have contacted the XXXX  and Experian credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

Experian- BK ID # XXXX BK ID # - XXXX BK ID # - XXXX XXXX- BK Docket ID # XXXX BK Docket ID # - 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 2018-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent several letters to XXXX XXXX XXXX, on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, to validate the information that is being reported on my credit report. The information that is reporting on my credit report is inaccurate, I have attempt to reach out to XXXX XXXX XXXX, with the addresses provided on my credit report, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, and XXXX XXXX XXXX XXXX, FL XXXX. Given that XXXX XXXX XXXX provided a false address, I demand an immediate removal 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 2017-08-09
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX and I have been dealing with Roundpoint Mortgage for about 1 year to try to obtain a loan modification and have constantly gotten the run around. My loan has been transferred 3 different time to 3 different investors. Based on my income I know I do qualify for a modification If I was given the chance. I believe my lender has violated my homeowner bill of rights.

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 2020-09-04
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Best Buy Citibank retail credit card was closed for non payment I was recovering from an injury even though I made a stabilization payment shortly before. I was offered a settlement of less than half but I said let me pay it in full since I want to correct my credit and I don't feel like my account should've been closed while I was injured in rehab. Best Buy agreed to a payment in full payment plan with the due date on XXXX of every month starting XXXX And I set up automatic payments. On XX/XX/XXXX I was told the payment went through. I also tried to make three extra payments in XXXX which bestbuy refused to accept Because they already had a payment and didn't want to mess up the payment plan. I spoke with him over the phone. Then in XXXX I found out that my account was transferred to a collection agency. This means that my credit score dropped 48 points and three months of them reporting my account is negative when they refuse to take the payments Resulted in continual late and higher interest then what is the reality. The reality is XXXX XXXX payment was acceptable but BestBuy chose to sign my contract and transfer it to a collection agency anyway. This collection agency has resubmitted the account back to Bestbuy Retail services twice and more than twice have my disputes been denied through bestbuy. Now I am being asked to fax and email the original contract which I will Attached to this complaint. I have damages the 48 points hurt my credit score and my financial capabilities I feel like I shouldn't of any interest after XX/XX/XXXX and the {$200.00} payment that was due on XX/XX/XXXX if I have to repay it we should still consider how I've lost money because it is negative credit report I should have a discounted rate and they should re-offer me the settlement that they are no longer offering in that settlement should be a settlement for a paid in full because they have proven to be dangerously illegitimate And financially damaging to communicate or do business with.

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 2021-01-26
Company: Westlake Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my car note with Westlake Financial in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from Westlake that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why Westlake is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is 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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.

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 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this 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 2017-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I tried to contact Equifax at the phone numbers they provided and they do n't work. This company should be investigated. Their web site also puts you in circles. Terrible company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
State: TX
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:
I don't have an account and don't know who this company is

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 2020-12-01
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2022-01-06
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Open up an account with PayPal to do some casual transactions every single time I received money PayPal locked my account and held my thumbs until I provided you know corresponding information which is understandable so it happened about 3 times and then I received another payment after getting an email saying that I'd become an unknown and established seller and they're still holding the funds but the seller the buyer I mean contacted PayPal and verified the transaction and they released the funds to me so the funds became available Shortly after that I received a payment that I didn't Fully agreed to because it was a lot of a lesser amount than I had wanted so I refunded the payment that payment triggered limitation on the account pending I provide the information which I did and they just still shut my account down and won't let me have my money in my account for a 180 days no explanation very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in 2019 I was Traveling XXXX different XXXX. Including XXXX XXXX. to do " XXXX  this is XXXX of " Religious ' obligation Every XXXX to Perform in " XXXX  '' XXXX XXXX. 
Before, I went to XXXX XXXX, I went to See my Elderly MOTHER in /XXXX  XXXX XXXX. I was require to Obtain XXXX XXXX. Therefore, I Use LOCAL TRAVEL AGENCY called ( XXXX XXXX XXXX XXXX ) I haired them to arrange All my Ground Logistics, in XXXX XXXX, such as HOTEL, Ground Transportation. And A. Assistance as a XXXX. in XXXX, XXXX, XXXX. 
Unfortunately ; As I arrived in XXXX on XXXX, 2019 my Assistance / Helper NO SHOW. NOR Ground Transportation XXXX to " XXXX '' And I was put in to Very Bad SITUTION. I have to go through, with very Difficult Time. Unknown to Me .Language Barrier and many Hindrance to FACE. 
All that said ... I arrived in to XXXX, Hopping, I will have My HOTEL RESERVATION as I was Told by this COMPANY. I haired. Unfortunately, As I arrive to the Designated HOTEL, NEW Discovery I have NO Reservation. PASS Mid NIGHT Here I am with nowhere to GO. Ultimately. The Company I Haired on of his person contacted me. And Put me in to a Very unpleasant Place to Stay Overnight. 
The Package I. have Bought, I suppose to be Staying 5Star HOTEL, and other Services.as well was Includes. Pre PAID to the Travel AGENSY Via My VISA WELLS FAGO Credit CARD. FULL Amount was PAID. {$2000.00} itinerary Due to None Performance of XXXX XXXX, I have to Cut SHORT my Trip and Re-Shuffle my. itinerary And return to XXXX XXXX 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 explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-29
Company: Credit Karma, LLC
State: FL
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:
Your company is not usages my recent credit scores the info on the site is not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.

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 2020-11-20
Company: Credit Counsel, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Cfpb, XXXX XXXX XXXX XXXX : CREDIT COUNSEL INC Original creditor : XXXX XXXX XXXX XXXX opened XX/XX/2020 Amount : XXXX On XX/XX/2020 the Secretary of Education directed the office of Federal Student Aid to provide the following relief on ED-held federal student loans : suspend loan payments stop collections on defaulted loans set interest rates to 0 % for a period of 60 days On XX/XX/2020, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XX/XX/2020.

On XX/XX/2020, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XX/XX/2020. 

Despite the fact that ongoing litigation case detail here XXXX XXXX XXXX They won't respect the rule and laws, Put my credit score in dangerous and harmful during this pandemic is very unconstitutional. 

The federal loan often 10 years, but many don't know that before having a chance to pay back the federal loan.

.

These corp private school loans already put these dreams under collection after a 2-3 years loan term. 

What's I know now after enrolling and graduated. In contrast, they haven't completed any commitment and promise in the contract from a business point of view. 
Frauding process and education plan, the structure education plan prepare under XXXX systems, and that plan to destroy US education systems as a goal. The government must act. 

Example : All high education colleges require accreditation as required by law. 

The private school claimed accreditation that is false, it's an invalid search in the student clearinghouse, it's also mean Non-transfer credit eligible to any US college. 

Non-report data success transfer college in the private school.Non-transparency. 

Again, these corp private school is intended to manipulate the system for this interest, and they go after vulnerable students and that is exactly what is this United Education Institute did. 


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 2019-10-22
Company: Mr. Cooper Group Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nationstar Mortgage ( now doing business as Mr. Cooper ) is incorrectly reporting my mortgage payments as late in XXXX. With the 3 major credit bureaus, it is reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX, and as much as 180 days late. Nationstar Mortgage modified the mortgage in XX/XX/XXXX and I made all mortgage payments to Nationstar, on-time, in XX/XX/XXXX and XX/XX/XXXX ( see the attached PDF, including bank statements, for documentation ). I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, telling me that the servicing of the mortgage was transferred to it and to make all payments after XX/XX/XXXX to XXXX XXXX XXXX XXXX, so that is the company that I paid in XX/XX/XXXX and XX/XX/XXXX. 

Nationstar sent email and letters to me and called me in XXXX and XX/XX/XXXX in attempts to collect mortgage payments. I called Nationstar several times and told the representatives that I made my payments to XXXX. I later learned that Nationstar messed up the loan servicing transfer process and did not actually transfer the servicing of the mortgage until after I made the XX/XX/XXXX mortgage payment to XXXX. However, XXXX neither returned my payments nor notified me that the loan transfer process had not been completed. 

I called Nationstar on XX/XX/XXXX and sent email on XX/XX/XXXX, in my attempts to get the company to correctly report my payments to the credit bureaus. On XX/XX/XXXX, Nationstar sent a letter to me ( copy attached ), which stated that it found nothing wrong with how my mortgage payments were reported to the credit bureaus. I called Nationstar on XX/XX/XXXX, and it said the same thing and refused to correct the problem. 

I am asking for your help in getting Nationstar Mortgage to make corrections, and report me as paying on-time for XX/XX/XXXX-XX/XX/XXXX, with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: UT
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 # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.

Company response to consumer: Closed with explanation