BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MI
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 attempting to buy a car, and the lender is attempting to pull my credit report but they are unable to pull my experian record because it's " Frozen ''. When I log into Experian to manage the freeze, it shows my report is frozen. When I click the button to unfreeze it, it just gives me an error and says to contact Customer Service. 

I've contacted Customer Service three times, who each time tell me the freeze has been lifted, or that there is no freeze, yet all of the lenders are receiving an error that my Experian file is frozen. This creates a very serious problem as Experian doesn't seem to see any freezes, yet nobody can run my credit because Experian is reporting frozen to the lenders. At this point in time, I can not apply for any credit, for anything, and Experian doesn't see any problems on their end.

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 2023-03-16
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX XXXX XX/XX/. I received a letter from XXXX XXXX signifying I am " eligible for a discount of 100 %. '' This letter included the date of my XXXX. All XXXX  costs were nullified with the SOLE exception of {$100.00} for anesthesia, which was provided by XXXX XXXX. They have repeatedly refused to remove this bogus charge from my account, though I have repeatedly ( at their request ) resubmitted the financial aid letter as proof. ( They should not have needed this, as it was NOT an outside agency providing this service. ) They have since reported this to my credit. XXXX has already removed the false charge from my credit report after receiving the same evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continuously called me on my job several days a week trying to collect debt. When I finally paid the requested amount I realized I overpaid and now they are giving me the run around to get a refund for the overpayment. The reps are very rude and can care less to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
mislending information on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the ownership of an account with Experian XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 had a XXXX XXXX Credit card with XXXXXXXX XXXX 
I paid it off a few months back. paid in full! over XXXX dollars it was paid in full in one lump some. and it is still showing deliquent on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to TransUnion, XXXX, and XXXX. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to XXXX asking them to remove Several addresses from my report because I only have one address. 

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections! 

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.

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 2023-04-12
Company: Torriere Holdings INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spire Recovery Solutions LLC. illegally obtained my personal information and now they are stating that I owe a debt. Spire Recovery Solutions LLC. did receive written notification to validate this debt that they are accusing me of owing. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. Spire Recovery Solutions LLC. must comply with validation request. Spire Recovery Solutions LLC. threatened to report invalidated information that I have requested them to validate. I also requested Spire Recovery Solutions LLC. to send written documentation validating this debt however, they did not send the debt validation. Spire Recovery Solutions LLC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but XXXX XXXX XXXX wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for XXXX  they said i owe yet XXXX keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to XXXX demanding to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX SELENE XXXX Complete Short Sale package was submitted to Selene XXXX Confirmed Selene received complete package under review XXXX Selene requested additional documents including pay stubs and Bk previously submitted on XXXX XXXX Submitted additional documents requested on XX/XX/XXXX and updated pay stubs and bank statements. 
XXXX Confirmed with Selene additional documents received XX/XX/XXXX Documents under review with review team XX/XX/XXXX Selene requested some other additional documents and updated pay stubs and bank statements for the third time. 
XX/XX/XXXX submitted additional documents plus updated pay stubs and bank statements XX/XX/XXXX Per Selene a drive by BPO was done value at XXXX XXXX, additional documents submitted on XX/XX/XXXX received and under review XXXX Per Selene Underwriting an interior appraisal would be ordered XX/XX/XXXX No interior appraisal requested waiting on XXXX approval to move forward with interior BPO. Requested for the fourth time pay stubs and bank statement XX/XX/XXXX submitted pay stubs and bank statements XX/XX/XXXX Per Selene all documents received XX/XX/XXXX re submitted additional documents requested on XX/XX/XXXX XX/XX/XXXX started corresponding directly with Selene underwriter and Loss Mitigation manager via email Since XXXX to date date after XXXX emails between underwriter and Loss Mitigation supervisor there is no response on any decision other than they want yet again for the 5th time pay stubs, bank statements and W-2s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXXXXXXXXXXXXXX**** ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I would like for your company to dispute : Only ONE name should appear on all my credit reports that should be XXXX XXXX Old business names Old business bills ( workers comp and general liability bills if there I want removed ) Old addresses ( po box es and physical addresses ) Old phone bills, light bills etc. 
Old phone numbers ( All old phone numbers ) Old email addresses Charged off bank accounts Over past due loans Charge-offs Repossession of one vehicle charge off still on reports Medical bills Student loan evetho are in good standings still have past due non-payments on all three credit agencies Self builder account charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX of 2022 item XXXX XXXX. collector was removed off my account from the credit bureau Equifax. it is illegal for credit bureaus to put negative items back on your report once it has been deemed unverified or inaccurate. this account has not been properly verified. Equifax has failed to comply with federal regulations by credit reporting agencies. I was not given no evidence of my obligation to pay this debt to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for the purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX. XXXX XXXX account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.

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 2023-03-16
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Mr cooper about trying to get out of covid-19 Forbearance It's been ready hard to make my monthly payments so after so long I was happy to be able to get back on track. After talking to customer service on a recorded line I was assured that the payments will not pass my monthly payment of XXXX and that all the money owned can be added to the back of my home loan and that there would be a Monthly trial period for the first 3 months that I would need to make on-time payments, I asked if it couldn't exceed my original monthly payment she assured me that they will not it would be low to help me get out of trial period. so I was approved for the trial by underwriting but it came back as XXXX cents which I can't make a one-time payment on, I asked if I can make two payments seeing that I get paid two times a month and they told me no and I can't make a one-time payment of XXXX cents so I can't get out of forbearance. I called them and explain the problem and was told that a manager will call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NJ
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ). Account # XXXX I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit and payment history is not correct on three credit as well. 
Which is a violation. This is impacting me from moving forward with my future plans. 

attach my previous credit report and my new credit report to show how Experian violated my 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 2023-08-02
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reported this already and company said they would remove it. Company has not removed this from my report. Its still on my XXXX and XXXX Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MO
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:
Yesterday, XX/XX/2023, I opened disputes online with Experian because I noticed 17 addresses that were attached to my name but do not belong to me. So I began to dispute the incorrect personal information. Some information they would not allow me to dispute some online for unknown reasons, so I was able to dispute all of the information. 

Today the disputes were concluded and I noticed that even though I listed the addresses as inaccurate, Experian is attempting to hold onto information by simply updating the data instead of deleting it and I do not know why. 

The following information is not mine or has been updated from data that was stated to be inaccurate previously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, Experian does not allow personal disputes for personal details and I do not know how else to remove personal information that is not mine. At this moment, I know my rights are being violated and I have attached proof of this below.

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