BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Spoke to Experian and XXXX about removing my fraud alert from my credit report and was told by both parties that I will have to write a letter and so I did and it's been over 30 days since that time that my fraud alert is still on my credit report. they refused to do anything and told me that I will have to write another letter which makes no sense. Please help me with this situation with 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 2022-10-24
Company: Sequium Asset Solutions, LLC
State: TX
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 made several attempts to resolve things with XXXX but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is my last attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX or XXXX XXXX. All XXXX credit bureaus are not on the same page about a late payment that's on my consumer report and now i'm paying higher interest rates on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: WA
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:
Experian Family membership, not being able to add an adult spouse per offer. 
Started over a year ago. Spouse 1 paid for family membership ( XXXX ). Spouse 2 received email notifications that their account could be added. Spouse 2 clicked email link. Family membership never applied, had to pay for a second membership. Spouse 1 continued to pay for family membership and contacted Experian Customer Service to resolve. Help did not work, customer service advised " cancel membership account of Spouse 2 and re-sign up with new email after waiting 72 hours. Spouse 1 waited and tried adding Spouse 2 a second time. Spouse 2 could not sign up under new email due to social already registered. Spouse 1 called Experian Customer Service again cancelled family membership per advice to try again under Spouse 2. Spouse 2 signed up for Family Membership ( XXXX ), added Spouse 1 to family plan. Spouse 1 has tried several times to follow customer service advice and sign up under new email but the social was already used under original email. Contacted customer service again with no solution. Called customer service XX/XX/22 to ask for help and a refund. Customer service gave same answer and solution as previously and refused to provide adequate refund for services falsely advertised, never delivered.

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 monetary relief
Consumer complaint received 2022-08-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$2100.00} last reported XX/XX/2022 2022

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 2022-08-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
We took a 6-month forbearance in XXXX through XXXXXXXX XXXX Immediately upon the end of the forebearance, we negotiated a loan modification to include the amount owed rolled into a new loan at a higher interest rate ( of course ). During the end of this loan modification process, Carrington bought our loan and has not updated our our account with the signed loan modification - even though we have provided the signed modification that is currently on our XXXXXXXX XXXX account website, along with our payment history. We have not missed a payment. 

Carrington also has documentation of us honoring the terms of our loan modification on their website but said administrative issues have precluded them from transferring the modification and updating our account properly. 

I have a signed copy of our notarized modification, and both XXXX and Carrington have documentation showing we have met the terms of payment. 

We would like to sue Carrington and XXXX for mishandling our loan modification and causing harm to our credit report and livelihoods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are accounts showing on transunion credit report that are not mine. They have failed to provide proof of ownership. These accounts are not mine

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 2022-08-03
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 status incorrect

Complaint:
I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX when this account was paid off and closed 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX when this account was paid off and closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Account status incorrect

Complaint:
I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX when this account was paid off and closed 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
Consumer complaint received 2022-12-22
Company: Maury Cobb, Attorney at Law, LLC
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: Account information incorrect

Complaint:
see attached. Alleged debt from XXXX, is being attempted to be collected from XXXX collections and now Maury Cobb attorney at law LLC XXXX Have no financial liability to NONE of these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had a bankruptcy on my credit report. All the information was totally incorrect including the spelling of my name and birthday. I wrote the credit berueas. All three say that they got this information from XXXX XXXX and is valid. I wrote lexis XXXX and they sent this attached letter stating that this and other items are no longer on my report. I just got a letter today from XXXX  stating that they contacted XXXX XXXX and they said the Bankrupcy was valid. This is clearly fabricated. I would like them to remove this from my credit because it's not valid and totally against my rights. I attached letters from XXXX XXXX And XXXX. Trans Union and XXXX  sent me email notifications that the bancrupcy was valid.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
List of inquiries on my credit file that are not mine Complies wont remove saying they were online application transunion refuses to remove these from report. 
These are not mine was not authorized by me

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 2023-01-25
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a 2nd mortgage with RBFCU. I set up my payments originally to post every two weeks with the purpose of paying off the mortgage early. I realized in 2021 this was not happening so I got on the phone with the company and they took all the payment and reposted them as principal payments. They also indicated that going forward they would not take any payments as payments for the next payment due but would post them directly to principal. They also advised that I need to change from a bi-weekly cadence to a semi-monthly since that is the only way the system would pick up the payment to be applied accurately. This scenario has happened multiple times since then and I always have to call and have them update this. My concerns are : 1. when they reapply the payment I dont have a way of knowing how the interest that I would have saved is being impacted and I think this process is unfair and deceptive 2. Its labor intensive on my end to have to keep calling for them to perform the servicing of the loan appropriately 3. By far one of the most concerning any customer who is not aware to check and confirm that the processes that they have set up to assist them in getting out of debt quicker are working they could be paying extra interest and are not aware.

The servicer should have appropriate processes in place to ensure they are treating customers fairly and are not unduly gaining interest that they should not be.

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IL
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. 

XXXX XXXX. Account # XXXX. 
XXXX XXXX. Account # XXXX. 
XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX. Account # XXXX. 
XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes more than seven 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 reasonable cause to believe that the information is inaccurate.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: GA
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 listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

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

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 2022-08-03
Company: U.S. BANCORP
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : US BANK XXXX Late Date XX/XX/20

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 2023-01-15
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2021-08-04
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company purchased an account from XXXX XXXX and sent me a letter for me to pay a debt. I filed a complaint against them already and they've admitted to doing it and by them sending me a letter stating that I owe a debt is a violation under the FDCPA and they violated other consumer laws in the letter. The company responded to the complaint saying that they disagree with my claim that they've violated any laws when it's clear evidence that they have. I am currently seeking legal advice on this matter because I sent an invoice to them for all of the violations and they didn't cooperate but did say they weren't going to continue to collect money but the damage to my character has been done through my consumer report. This negative account has prevented me from getting credit on my behalf and it feels like a form of oppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Nelnet, 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 called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this DEPT OF ED/NELNET Late payment XX/XX/XXXX 30 days late will be removed. 

DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below XXXX XXXX XXXX  XXXX Late Date XX/XX/20

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