BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-22
Company: EQUIFAX, 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 account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: MD
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 XXXX - XXXX XXXX XXXX  # XXXX XXXXXXXX - XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-10-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I've had repeated emails from them asking for me to pay a collection that does not exist. I spoke to the original creditors ; I believe they are going to remove it. Yet this third party is trying to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: MO
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 am utterly perplexed at the moment over the inaccurate information on my credit report. The records are inaccurate, enigmatic, and hazy. If something isn't completely accurate in my report, it should be removed. Please do your homework, identify the rightful owner of these records, and quickly clean this up. I'm very sure you're expected to conduct an inspection swiftly, and a new credit report needs to be sent out with the correct modifications. It shouldn't take the examiner more than 15 days to confirm this letter. As required by law, odd, inaccurate data should be deleted, and presuming you are unable to provide me with a copy of the obvious proof ( original application ) in the case, Also my information was compromised within the XXXX data breach that happened around XXXX that resulted to accounts and information not bing 100 % accurate on my report. With this being said and my demend going completely ignored I can seek litigation in court of law and demend {$1000.00} per violation on my credit report per FCRA and I recognize and confirm a lot of errors on my report. Lets get this took care of promptly for I have a house to close on and if I don't make deadline on my goodness... I sent all the proper documents so I don't want to hear again you can't verify me get the job done or we can step the dispute process up another notch.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NJ
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:
incorrect information 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 explanation
Consumer complaint received 2023-03-10
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am filing this complaint towards Mohela because they seem to have a work ethic that does not speak highly of them. I have reached out to Mohela many times in hopes that they correctly update qualifying payment counts since they have accepted and processed the PSLF Forms I have submitted for all of my employers. 

On XX/XX/XXXX, once again I spoke to 2 different supervisors at Mohela by the name of XXXX and XXXX regarding the PSLF forms I submitted for various former & current employers XXXX, XXXX XXXX XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX. All the forms were processed however none of the payment counts were updated. The supervisors activated the forms to get processed once again and stated that once the forms were accepted and processed the qualified payments should have also been updated. The supervisors stated that it should take 14 days to get processed, but I have been waiting for over 2 months and Mohela has not resolved the issue they created. I should have qualifying payments since the year XXXX but Mohela has failed to provide that update to my loans. Dealing with Mohela is really a much cause for stress and my mental health is being affected to see that Mohela has not taken responsibility to update my payment count in a timely manner. I also see that only one month in XXXX was updated but many months have been skipped. 

My hope is that cfpb can reach out to Mohela on my behalf and request that they update my loans with the qualified payments going back to the year XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: PA
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 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 a 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 2023-04-16
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed an FTC complaint # XXXX on XXXX. This is the verbiage : " Identity Theft. Person ( s ) opened over twenty checking and savings accounts across the country, in numerous states. They hacked our personal checking and savings accounts, made test deposits of less than a dollar, then proceeded to make withdrawals. '' I have successfully resolved closing all accounts, except for the five fraudulently opened Discover accounts below : XXXX XXXX XXXX XXXX I have contacted Discover numerous times in the past 2+ years. I have been assured they would be closed. I just received statements for XX/XX/XXXX thru XX/XX/XXXX. The total value is {$2.00}. The risk is more fraud. I request help getting Discover to delete these accounts. 
I can provide more documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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 FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

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 explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5400.00XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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:
I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

Hard inquires XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.

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 2023-03-11
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 have attempted to make a complaint and the information on the complaint was incorrect as well. I am wanting to correct the name on my report... which is someone else 's name and the reporting agency ( ies ) are attempting to put it on my social security number! 
This has been disputed since XX/XX/XXXX, and here we are in XX/XX/XXXX. 
I do not consent to using my private number with someone else 's name. 

I HAVE CALLED NUMEROUS TIMES AND NOW HAVE RECORDED CALLS AGAINST THESE COMPANIES THAT ARE ATTEMPTING TO ASSUME OWNERSHIP OF THE REPORT AND DO NOT WANT TO CHANGE IT. THE ONLY REPORTING COMPANY BY LAW IS THE CONSUMER FINANCIAL PROTECTION BUREAU AND NOT ANY OTHER BUREAU BY LAW ; SO I DON'T KNOW WHO THESE COMPANIES THINK THEY ARE?!!!

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 2023-03-11
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: Credit inquiries on your report that you don't recognize

Complaint:
The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX XXXX XXXX  account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. I never filed for bankruptcy. 
Please investigate and provide verifiable documentation of the : DATE of last activity. 
Pursuant to Fair Credit Reporting Act, this item should not be reflected on my credit file. Please update credit report once you have completed your investigation...

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 2023-10-13
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Spoke with Freedom Mortgage on 3 separate occasions in reference to understanding how to have our PMI removed as it totals close to XXXX for the life of the loan. During our signing of our Refi we were told that once our home to loan reaches 20 % equity that we would be able to request to have the PMI removed. This was not the case previous during my previous conversations with Freedom, i requested documentation on where it was signed that we acknowledged that the PMI would be for the life of the loan ( Does not state anywhere ), i was given the amortization page showing the outline of payments. This does not state that PMI insurance is for life of loan or you can not request to have PMI removed due to our loan being an FHA loan. This seems to be " Legal '' theft and misleading representation during the loan signing process. i was then given advice to refinance and i stated i am not refinancing @ current rates that would be stupid. In the process to speak with someone on the phone i am not directed to a voice-mail, directed to a live manager, or given follow up contact information with freedom mortgage leadership. The normal response of someone will contact you within 24-48 hours was given and i have been down that road a few times with Freedom where i had to call daily for an update ( getting an update a week+ on a previous issue )

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 2023-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-03-06
Company: EQUIFAX, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I currently have an overage in my escrow account in the amount of {$8800.00} & I have been making my request for a refund since XX/XX/XXXX & i called at the beginning of XXXX & i was told that an escrow analysis had to be done before the refund could be sent out & it still hasn't been complete & or started.. I have been lied to over, over again. everytime i call I only get excuse/no help nobody is on the same page.. I have called XX/XX/XXXX, beginning of XXXX, XX/XX/XXXX & XX/XX/XXXX still not help.. every time I call someone has a new story & never a solution.. I was told that if the overage is more than {$50.00}, I should get a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: OH
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:
Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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