BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working on my current loan modification for 3 years now with no resolution. This is my 3rd attempt at a loan mod. Some years back I completed a loan mod on my own. After the trial payments were completed and additional payments made the loan docs were never re-done to reflect the new loan terms. I was forced to stop payments due to the lack of new docs showing my new loan moving forward. A second loan mod package was completed again on my own. At the end of this process with a week or two left to close, my loan was sold to a different servicer. I was in shock. I started a new loan mod package with them. At t the end of this process they approved me again, however, my payment was going up more than {$1500.00} a month? At this point I was told take the deal or you will be forclosed on. Granite, my income had gone back up but I stated my income fluctuates and it will be tough to maintain that payment. They did n't care and pressured me into that mod or be foreclosed that month. A CLEAR VIOLATION OF FRANK DODD. Of course, after 12 months of payments I could not manage the payment anymore. Now after 3 years with representation, I still have no resolution. In fact, XXXX 5 months ago I challenged them on their valuation of of my property and them trying to deny my loan mod. I 'm a real estate appraiser and rebutted and destroyed their appraiser and valuation. To my surprise that entire loan package was lost/deleted or who knows and I was asked to submit a new complete package. This brings you up to date. Of, course they want me to submit more docs as I write to you today. Lastly, they have put my house in the foreclosure process again as I am still in negotiations. My lawyer asked why they did this and he was told because they can. Again, forclosure notices taped to my front door, mailings to the house, phone calls from people that want to buy my house. My kids harassed on the phone. The XXXX is now unbearable. I 'm not sure they even have a clear title on my property. This servicer has VIOLATED Frank Dodd by pressuring me etc. 
I 'm claiming reverse RED LINING due to my home being located in an affluent predominantly white neighborhood. And for the same reason just mentioned above, I claim I 'm being discriminated against. Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/ I paid off the account in full and then capital one enrolled me into a Covid relief program I didnt agree to for 9 months the account was paid off in full and now it is suspended and they add {$27.00} per month to the balance claiming it is a Covid relief program I didnt enroll for and how is adding {$27.00} per month to a card with no balance Covid relief they need to remove my account from this program and remove the {$27.00} per month since XXXX to a XXXX balance I will not pay for something I didnt purchase or enroll in

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For over 2 years I have been filing and re-filing for a RMA ( Request for Mortgage Assistance ) with Select Portfolio Servicing , Inc. having no result. I learned from XXXX XXXX XXXX that Select Portfolio Servicing , Inc was found guilty of wrongful business practices in 2012, and they still refuse to pay any restitutions. For each time a client submits a RMA they receive XXXX dollars from the Federal government as incentive to help citizens suffering from hardships. Today, they have people to submit and resubmit the same documents multiple times. I worked for 20 years at XXXX only for the company to be sold to XXXX. Two months after the final papers were signed lay offs began and I was given XXXX ( XXXX ) month severance pay. Gov. XXXX XXXX changed unemployment time allowance from 2 years to 3 months, which made XXXX unavailable for Federal assistance. He also cut the XXXX program which extended unemployment for people that enrolled in school for retraining after being laid off. It has been arduous trying to return to work. I am the only graduating student from XXXX having received XXXX and still have n't landed a job. Age discrimination? You tell me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit card company is giving me an invalid reason for the decline. 
Credit card company said that they were not able to verify my identity but they didnt call me to ask security question or they didnt ask for copy of ID or social security card. 
The same day of that application I applied for the XXXX XXXX credit card and I was approved for XXXX dollars with the same bank Comenity Bank, there is several times that I been declined for the same reason. 
I called the bank over the phone to the Accounts Protection Team and they asked question and said that the bank does not have any more questions for me and I will receive a letter with the decision the decision came incorrect as I explained

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: WI
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: Problem with personal statement of dispute

Complaint:
Requests for method of verification of bankruptcy listed on my credit report were sent to Experian on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. As of yet, I have not received any description of the method used to verify this account nor who verified this account. 

It has been 7 months and Experian has denied me my right as a consumer to copies of documentation associated with this public record. 

Experian is in violation of section 609 ( a ) ( 1 ) ( a ) of the Federal Credit Reporting Act. Under this law, Experian is REQUIRED to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. You leave your consumers vulnerable to fraudulent adn erroneous information being reported on their credit reports when you do not follow protocol set forth by the FCRA. 

Experian has failed me as a credit reporting agency. At this point, it is doubtful that you have completed an acutal investigation otherwise I would expect that I'd have the documentation that I not only requested but what is owed to me as a consumer.

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 2020-06-09
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was trying to connect my pnc bank account to XXXX XXXX to start learning about stocks. Unfortunately pnc has decided to not let me link it to. XXXX is a secure website that will keep all my information safe. I don't want to go to another bank just to link it to XXXX because it is a hassle and I don't have time to go to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-13
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: Information belongs to someone else

Complaint:
FCRA violations :

inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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 XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-11-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my husband and I have been devastated the past year, barely able to function. I was told that I could not do anything with this home until the probate went through and approved by the court. Finally at the end of last week it was approved and it was given to you immediately. You have postponed the sale for 30 days to allow the probate to go through and as of yesterday I was told that SPS will not give me 45 days to close this home and to pay them off in full. That they are blaming me for not contacting them in the past year. 
I have mentally and emotionally being struggling XXXX trying to stay strong for my daughter. I did not understand how this can work and I had a hard time dealing with it. By SPS by foreclosing will be handing over close to {$100000.00} in equity to an investor, this seems like a total mean spirited action. This money can be used to help our raise our daughter, her education and many other things that will be needed. I feel that you have an alternative motive of someone else profiting on this situation. I do n't know what else to believe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. XXXX has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back ih 2014 A bottled water company did not deliver water and I called and canceled their service. They kept billing me I set up all my accounts on auto pay. I called the company and they refunded to my credit card. One year later they started to bill me for the service I never received and for the money they returned.I called the credit collection company and noticed them of my dispute. Another year passed and yesterday the filled everything again with the credit bureaus. Calling the credit collection company again accomplished nothing

Company response to consumer: Closed
Consumer complaint received 2016-05-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had ongoing disputes against Select Porfolio Servicing filed with the CFPB. Those disputes are under claim # s - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX, and XXXX. All of these complaints request information regarding our " mortgage '' that was supposed to be paid XX/XX/XXXX but was placed in false default by SPS, with the loan " paid out '' by another entity before receipt of our payoff loan amount. SPS has just sent us a letter, see attached, stating that they can not response to our requests for information given that the loan was serviced over a year ago. However, in XXXX XXXX, SPS acted as a servicer, without any authority, or Power of Attorney to act, by recording a new assignment, and discharge, in our County. SPS also provided information to us that our loan, prior to our actual payoff check, was placed in default due to Forced Placed Insurance ( that was not required at all ), and we were never informed of that insurance. SPS also assessed default fees and charges against us after we paid off the loan in XX/XX/XXXX. SPS refuses to identity the entity that actually paid out on the loan to SPS, and what SPS actually did with our payoff check monies. SPS states that it has been over a year for servicing, but they file an assignment and discharge, without authority, in XXXX XXXX. Obviously, SPS was still servicing in XXXX XXXX - or they have no authority to record any documents in our County. We request, again, for SPS to provide all information, regarding our loan, that we have requested, and SPS has failed to provide, and to explain why SPS continues to act as a servicer, on behalf of XXXX XXXX XXXX Bank, who has no knowledge of our loan, in XXXX XXXX, but refuses to cooperate with us to provide accurate and complete information as requested, multiple times, and under RESPA, to us..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
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:
On XX/XX/2020 I pulled my credit reports and noticed that Lakeview Loan Servicing , LLC ( XXXX XXXX ) was reporting that my mortgage was in forbearance. I disputed this with the three credit reporting agencies and contacted Lakeview Loan Servicing regarding this issue. 

On XX/XX/XXXX I received a notification stating my dispute had been completed. My updated credit report sated " Account information disputed by consumer '', a balance of {$280000.00} and that my account was " DEFERRED '' I again contacted Lakeview and explained the issue to them ... I was reassured that my account was not in forbearance and that it was not being deferred. The agent I spoke to told me they would send me a letter stating my account was up to date. As of today, XX/XX/2020 I have not received said letter. 

As of XX/XX/2020 my XXXX  and XXXX  credit reports still state that my account is being deferred and that my balance is still {$280000.00} making it appear as though I am 2 Months behind in my mortgage. 

I would gladly appreciate it if Lakeview Loan Servicing , LLC ( XXXX XXXX ) would correct this issue and post accurate information on my Credit Reports

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