BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX concerning a persistent error they have been reporting on my credit report over the past four months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of XXXX and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-27
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX 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 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took a personal loan from American Express. I made additional payments and specified " principal only '' payments. Therefore, just as is the case with my mortgage, the principal should correspondingly reduce by the amount paid to only the principal. However, AMEX failed to apply the funds to only the principal and instead took the funds as an early payment. Having taken the principal only payment as an early payment, they then failed to take out the scheduled monthly auto-payment. The Amex representative has stated they charge interest at the beginning of the month and not on a per diem basis. The monthly interest takes effect as soon as a payment is made ; the loan is then charged interest for the subsequent month. Therefore, it seems that other than paying off the loan in full, there's no way to pay off the loan for less than the total cost, even though AMEX states there is no pre-payment penalty. The penalty is paying the interest regardless of how soon the loan is paid off. That is a penalty. A principal only payment should be a principal only payment. A monthly auto-payment should not change/ be affected just because an additional payment is made prior to the payment due date. Then, instead of applying the auto-payment on the date it should have deducted, AMEX insists the payment can not be entered retroactively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an address reported on my Experian credit report, I have never lived there. I'm afraid that my personal information is being sent to that address. With the amount of fraud, scammers and identity theft going on in the world today, this is very concerning to me. I disputed the information with Experian was told it could not be removed because the address is tied to an account on my credit report. The account is with XXXX XXXX XXXX. Twice I contacted XXXX XXXX XXXX in regards to the matter, XX/XX/2023 and XX/XX/2023. Each time I was assured that the address was not on my account and that they have my current address. The address is still being reported on Experian credit report. I reported the address as fraud. I feel like I'm getting the run around with Experian and XXXX XXXX  Loans. I am requesting all information from XXXXXXXX XXXX be deleted from my credit report, they do not know how to accurately report. I'm frustrated because my personal information is being sent to an address that I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 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 explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX is had me in a never ending rabbit hole to verifying my documents they have had for XXXX  months for a XXXX verifi action claim. I call daily nothing getting done. They are to open a window retroactively because I received only about half or less of my XXXX week XXXX claim because of ID verification. DURING THIS MY MOTHER PASSED AWAY. I NEEDED THE XXXX CLAIM THEN WAS XXXX IT AND HAVE BEEN WAITING XXXX  YEARS. THIS HARDSHIP IS HORRIBLE DESTROYING MY QUALITY OF LIFE AND IS BEGGING TO AFFECT MY HEALTH. XXXX AND BANK OF AMERICA DONT SEEM TO CARE ABOUT ME AND THE TREATMENT I HAVE BEEN RECIEVING FEELS DISCRIMINATORY.

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 2023-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates LLC ( PRA ) has been reporting false information to credit bureaus to damage my credit. They have {$33.00} listed in Payment History on my credit report. PRA claims the date they received this payment was on XX/XX/XXXX. I've shown this in an attachment titled XXXX dispute results, XXXX. I've highlighted the date and amount on this page for your convenience. However, this is false and impossible. PRA only received one payment from me on XX/XX/XXXX for {$440.00}. This is also shown in the Payment History section of the attachment. 

For further proof, I also put forward the Request and Writ for Garnishment, '' which is dated XX/XX/XXXX. This was the initial judgment for garnishment on my income tax refund/credit. Within this attachment {$33.00} shown as a postjudgment cost. If this is the {$33.00} PRA is referring to in my credit report, they could not have received this payment in XXXX as they claim. PRA would have received it in XXXX because thats when taxes were filed. I've provided validation of this with two more attachments titled Garnishment Disclosure and Notice of Income Tax Refund used for Debts. As you can see in both of these attachments, they were dated XX/XX/XXXX. 

In summary, PRA reported fabricated information to credit bureaus to damage my credit. This is unacceptable so I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed 2 disputes with XXXX for my XXXX loans. I sent the letter of the US Department of Education showing the loans had been discharged. I called the company ED Financial that held the loan and they confirmed it was showing {$0.00} balance on all loans as of XX/XX/2023. The First dispute XXXX said that the company did not confirm a change. I got my letter for the department of education and sent that in the second dispute in XX/XX/2023. Again XXXX came back stating the ED financial did not give them any change of amounts. I got a letter from ED Financial XX/XX/2023 showing the accounting of all the accounts and all showing paid in full with {$0.00} balances. XXXX is the only credit reporting agency not removing the balance for me the others have corrected it.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

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 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 2023-11-26
Company: EQUIFAX, INC.
State: TX
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:
These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've asked this to be reinvestigate on XX/XX/XXXX and for Equifax to provide a method of verification. I received something 5 days VIA email from Equifax that these accounts came back verified, when I was never provided with any verification. Can you please properly investigate these accounts and send me an update?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting of the account XXXX XXXX XXXX, but you have failed to provide me a copy of valid and viable evidence. Furthermore, I have requested your method of verification being that my information was compromised in the Equifax data breach, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Lastly, the account has been re-aged and should have fallen off of my credit report. Not only are you in violation of re-aging an account, but you are also furnishing inconsistent information because XXXX and XXXX do not report this account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my follow-up complaint to tell you that I need these items in my file removed pronto : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} The listed items are erroneously placed in my file I need them gone right away

Company response to consumer: Closed with explanation