BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurat

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-19
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was using the Cares Act, I had 3 " trial payments '' due by XXXX that I completed paying on XXXX. 

I have been in CONSTANT contact with my point of contact, XXXX XXXX, every day. I have uploaded all docs to their website and Loss Mitigation email. 

Tonight, on XXXX, I was called, not by my Point of Contact, but someone else in Loss Mitigation. She asked for items I had already sent in. Again. Uploaded to their website, emailed to their employees. 

Shellpoint never did my Modification, their MERS report said I was married to the coborrower, we were never married, it didn't say that anywhere else, and I'd written the required letter, which of course they could not find. 

I was on the phone for an hour with them. She called to give me a NEW way Shellpoint was going to do my Modification, leaving the coborrower on the mortgage, tho he's been off the Deed for over a year, and I have a court order. 

After this terrible call, I went on their website to RE-UPLOAD and RE-EMAIL all the same items I'd already sent in. 

Shellpoint had added a {$15.00} LATE FEE on the Loan. Nothing was late. This is not allowed via the Federal Cares Act. And again, nothing was late. 

But then I read the top 2 columns, dated TODAY, XXXX after an hour long conversation with their Loss Mitigation Worker who called me : -Investor Loan Sale -Inv Loan Purchase Yes, they can sell your mortgage during a loan workout, but they have to tell you 15 DAYS BEFORE.

Of course, their response here will LIE.

They called me. The same day, AFTER, the loan was sold to another, unknown company, with no notice, no letters, no calls, no emails.

They snuck in a {$15.00} lying Late Fee, it was NOT late.

They snuck in a PMI payment too, that should have been removed a year ago. 

Now I'm in the middle of a Federal Modification, Shellpoint was REQUIRED to tell me, I have a court-order to remove the coborrower from the mortgage, and they sold it. 

Don't worry, like on all these other responses, they will LIE. 

But if they say they told me it was being sold 15 days ago, why did they call me tonight? And I received XXXX emails today? On a loan they most certainly did not tell me they sold, asking for more personally identifying information and proofs. 

Shellpoint is NOT FOLLOWING any MORTGAGE REGULATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
experian is saying the information is coming back verify but when i called the company myself they cant verify me so i not understanding how they verifying so the comapny is giving me payment history in not contract or agreedments so i ask them to removed the debt but they ignoring the fact that i didnt do business with them i rufuse to pay the debt i wasnt legally notify about the debt under 15 U.S 1681 i fair act crediting reporting i have right to privacy 15us1681a these accounts i refuse to pay they violated my account i also send information to experian they saying my docs wasnt acceptable.

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 2022-12-25
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 List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX Inquiries : 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

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 2022-10-19
Company: ENCORE CAPITAL GROUP INC.
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've attempted to contact the reporting agency several times over the past year. Midland Credit Management has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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:
In XX/XX/XXXX after reviewing my credit report, I noticed there were items in a " charged off '' status years ago however still showing I was missing payments monthly which appeared on my credit report in two ways : 1. Late payments from an account closed in charge off status from XX/XX/XXXXand, 2. That same account 's balance, though reported as a charge off, was being combined with my total amount of available credit and in a late payment status. 

I contacted the company who was hired to collect the debt, Portfolio Recovery Associates of XXXX, VA. I spoke with a collection specialist and he said their company could accept a settlement payment from me despite this debt with XXXX XXXX being charged off in XX/XX/XXXX. I told him I was concerned it was still showing up and showing up as late monthly payments still accumulating interest. He agreed to accept {$830.00} and I wrote them a check and mailed it on XX/XX/XXXX. 

I appealed this item with XXXX  and they refused to review the request to address this discrepancy in XXXX. 

Today, in XX/XX/XXXX, this item is still on my credit report as a " late payment '' and they have never shown that this item was addressed as a settlement. 

Portfolio Recovery cashed my check on XX/XX/XXXX however never contacted the credit reporting bureaus to update this account. 

I've filed a second discrepency request with XXXX  who has a copy of my check to Portfolio recovery, the actual photo of the check from my bank showing when Portfolio Recovery cashed this, and screen shots of how this item is showing up on my credit report as late monthly payments for a debt that is close to {$2900.00}. 

I have contacted the Colorado Attorney General 's Division that handles collection companies to request they assist however, the AG 's office suggested I also file a complaint with your agency.

This item has continued to keep my credit score from increasing, has factored into me being denied housing, increased costs of auto insurance, and taken hours to try and address now, for close to one year with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In adequate support, support services had not define a clear path to resolving the problem. It will be 3 weeks without access to XXXX in order to make timely payments and transfers

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 2022-10-19
Company: Experian Information Solutions Inc.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$79.00} XXXX XXXX XXXXXXXX Balance Owed : {$26.00}

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 2022-10-19
Company: Experian Information Solutions Inc.
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've attempted to contact the reporting agency several times over the past year. XXXX XXXX XXXX has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-11-14
Company: TMX Finance LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt validation letter was sent to the company INSTALOAN/XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Early Warning Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXXXXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXXXXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found an account on my credit report that does not belong to 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 2023-01-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2022-10-19
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I did not receive anything about debt or credit owed before account went into collections and really hurt my credit score. I have been working on my credit for over a year and dealing with Credit pros to increase score. The collections action was random and hindering me from purchasing a home and a lot more. The collections action was not fair at all especially for a small amount I knew nothing about, let alone proven to be me that has made any purchases or owned any credit cards

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 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX of 2022 per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Experian continues to disregard any re-investigation into this dispute they automatically send the same letter stating verified when clearly the third party is not verifying anything as they have nothing on their end. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation