BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have began to default on my American Express card. I am in the process of obtaining paperwork to begin bankruptcy. This week, several harassing phone messages were left on my parent 's home answering machine. I did not disclose this number, in any way shape or form, and I have not lived with them since XX/XX/1999. My wife 's parents were also called regarding this debt. My wife is not on this card, and her parents number has also never been disclosed. This has caused many issues within my family as well as my wife 's family. This has not come from a third party collection agency, instead directly from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX I was involved in a financial crisis not of my own making. I contacted Bank of America to discuss what repayment options I had available to me in order to save this account ( {$500.00} limit ). The customer service representative informed me that they would be able to suspend my account and I would be responsible for making {$50.00} a month payments for a period of 12 months, after which I would be responsible for any balance above the credit limit and my account would be reviewed for reactivation. This was in XXXX of XXXX. The payments were made automatically every month with the final payment coming out of my account on XX/XX/XXXX of this year ( XXXX ) .Upon contacting Bank of America to conclude the arrangement, I discovered that my account was closed in XXXX of XXXX yet was continuously charged interest and late fees. According to BoA, these fees made my XXXX monthly payment insufficient and the account was charged off as of XXXX XXXX. The incomplete information given me led me to believe that I was doing all the right things to save this account and my credit. I paid XXXX on a maxed XXXX credit limit and they report a balance of XXXX owed as of XX/XX/XXXX. Taking into account late fees accrued between XX/XX/XXXX and XX/XX/XXXX does not explain what has occurred here. Should I have been told the truth, I would have adjusted my payments accordingly. The saddest part was that this was the only credit card I tried to save after my financial debacle.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent the credit bureau a letter asking them to investigate all information on several accounts for 100 % accurate information. I also asked them to provide me with the following information items : *Pay off disclosure *Interest rate disclosure *Balance history *Payment history *Credit insurance This credit bureau has failed to respond to me within 30 days. I know that per the FCRA, the credit bureau has 30 days to respond to my letter, which they have failed to do. 

I sent this letter to the credit bureau via certified mail with the USPS. 
Here is the tracking # : 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 2022-03-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-09-22
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a 2nd mortgage with XXXX  XXXX XXXX until XX/XX/2019, they sold it to specialized loan serving in XX/XX/2019, my payments are due on the XXXX, XXXX  XXXX XXXX ceased accepting payments on XX/XX/XXXX, for the entire month of XX/XX/2019 i made numerous attempts to get my new info from SLS to no avail ... in XXXX of 2019 i received a letter dated XX/XX/XXXX with my info i set up my bill pay and attempted to make payments ... they returned them until i was forced to pay with an ATM card at the end of XXXX, they billed me a {$15.00} property inspection fee XX/XX/2019 i am disputing that as i made all attempts to pay and they were unable to provide and also returned payments. 
is this their mode of operation to take over accounts, hold off billing info then charge consumers fees??? 
i have been disputing this with them for months this company needs to be investigated as i am sure they are doing this to hundreds of customers

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 2017-02-03
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Rossman & Co, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Rossman & Co tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Rossman & Co was update to XXXX and XXXX credit bureaus as a verified account ; Rossman & Co placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Rossman & Co and XXXX XXXX ; I have never received any validation letter from Rossman & Co prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Rossman & Co actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had 2 loans with XXXX that were charged off. The accounts were sold to XXXX XXXX. I settled with XXXX XXXX. I provided proof of settlement to both XXXX and Experian and yet are refusing to update the account to reflect that its been settled in full.

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 2023-08-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

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 2023-02-19
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During COVID I wasnt able to make payments on time to my discover card. I spoke with a representative and was told my payments would be deferred due to the exceptional payment history. I was told the account wouldnt be closed and the interest rate would not increase. I was told as long as I keep in contact during the process everything would be ok and just make payment once Im employed again. Weeks later my card was closed and the negative account was reported to my credit. After contacting discover I was told someone would give me a call to discuss options to rectify the situation. I received a call from someone asking to make payments with a prepaid credit card. I then called Discover to verify the caller and I was told someone would follow up, I never received a call so I called back to have the issue resolved. Upon request I was told the interest rate and late fees would be forgiven equaling to a settlement of {$1800.00}. My initial payment was {$80.00} and would be automatically withdrawn. The next month the payment was not deducted and this usury has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have sent a written dispute to Experian and to XXXX on XX/XX/2017. 
XXXX. inserted false information to my Experian Credit Report on XX/XX/2017 which was previously deleted by Experian as false. XXXX has wrongly re-inserted previously deleted false information and has re-aged false information. 
Experian has failed to send written notification for reentry of previously deleted item and illegally re-aged false information and failed to notify in writing.

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 2023-08-03
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 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 Accounts XXXX XXXX Account number XXXX XXXX- account XXXX XXXX XXXX XXXX XXXX- Account 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 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian concluded the investigation on XX/XX/2022 and on XX/XX/2022, I called them and stated they validated the information with the below creditor wihout any proper validated proof information. When I asked regarding the law and how it applies to me, and my privacy, they stated they did not follow the law, and they went by the creditor only! They stated they can not do anything else and it was just up to me, which I have send several letters to the below creditor and experian and they refused to do provide validated informaiton. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681 1. 

XXXX XXXX XXXX  # XXXX Has violated my rights 2.XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights XXXX. 
XXXX XXXX XXXX # XXXXhas violated my rights 15 U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 explanation
Consumer complaint received 2023-10-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Mortgage company showed a check disbursement for insurance premiums on XXXX for insurance. On XXXX I got a call from the insurance company stating that a cancellation had been sent for non payment. I called the mortgage company immediately, they could provide no receipt or proof payment was sent and said theyd cancel the check and send a new one. On XX/XX/XXXX I called back because our insurance had still not been paid. I was advised that a request for a new check had been submitted but it was never printed and sent, the rep was going to pay over the phone with a credit card. I called back on Monday XX/XX/XXXX, 3 days after the cancellation date, only to find out that the reps credit card request was denied by management in lieu of a check being overnighted. The check was printed ob XX/XX/XXXX, finally mailed on XX/XX/XXXX, and signed for on XX/XX/XXXX, but the insurance company requires XXXX hours to process check payments and since XX/XX/XXXX was a Friday it was not processed until XX/XX/XXXX, leaving us without homeowners insurance for 4 days. I requested to speak to management regarding the issue and they have refused to call me back or speak to me on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: IA
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:
After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: WV
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 in accurate.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-01-09
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Back in XXXX  i was trying to purchase a condo, they told me if I dont make an arrengment with them of payment my credit has gone to badbebt credit burue I had to make payment arrengment with account that I don know about nor they show mw proof of account due by me and it was reguested am still paying to Porfolio collecting

Company response to consumer: Closed with explanation