BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
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:
I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to Experian, XXXX, and XXXX. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
I recently pulled my credit reports from XXXX, XXXX and Experian and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Company: Experian Information Solutions Inc.
State: PA
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:
for almost 2 years i have been having difficulty with a inaccurate account reporting on my consumer file. Experian has not investigate this account at all. At best, Experian has only parroted what the information provider has told them. The law is very clear that credit reporting agency does not comply with verification requirements of 1681i if it simply parrots the information providers electronic response. 

I am contacting you because Experian claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed Below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

On XX/XX/2023, i sent a certified letter to XXXX XXXX XXXX about this inaccurate reporting. The letter was returned back to me stating that the address is not deliverable. This is the contact address that is on my consumer report supplied from Experian 's generated report dated XX/XX/2023. I have enclosed a screenshot from Experian generated report. 

How is Experian verifying this account? If i can not contact them through the contact information supplied from Experian. 

I believe that Experian is not verifying this account and just updating an unverified account. This is against Federal Law of the FCRA.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have enclosed the unopened letter to XXXX which was never delivered. The usps certified mail- XXXX I have enclosed a copy of my experian consumer report with the Address that they supply as contact to XXXX Account in dispute : 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies violate 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information.

According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided byTransuion, XXXX I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that TransUnion, XXXX takes immediate action to address the following : Conduct a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that Transunion, XXXX will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution by the requirements outlined above. 

Sincerely,

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 2017-05-09
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX Dear CFPB, I have written to Transunion credit bureau on several occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing the fact that the accounts below are not my account ( s ) and or /incorrect. I have requested that Trans union investigate these account and delete them from my credit report, there response was VERIFIED AS ACCURATE AND UPDATED and contact the creditor. So I contacted the creditors listed below and asked them to validate the debt and all three creditor ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   XXXX ) failed to validate the debt. Next I sent Transunion a 2nd request  letter asking them how did thy verify the accounts and to send me the proof used to verify the debt was main sense the creditors could not or would not send me proof that the accounts was main. Once again Transunion continues to responded was the accounts was verified and accurate ( even when I sent them documentation that XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX FAILED TO VALIDATE THE DEBT ) see uploaded attached file. The 3rd letter was sent on XX/XX/XXXX pointing out to them that all three creditors fail to validate the debt and demanded that they remove / delete these account from my credit report. Let this be a formal complaint against Transunion, the following accounts are items that Transunion has refused to investigate/validate and correct/delete from my credit report : account 1.  XXXX XXXX XXXX Account 2. XXXX XXXX Account 3. XXXX XXXX XXXX  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
Consumer complaint received 2022-05-04
Company: Webcollex, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The fraud was carried out in my name and SSN on XXXX XXXX. I have made several attempts to let CKS financial Services remove it from my report. They are not yielding. At their request, I faxed a Police report to them on XX/XX/XXXX. As of Monday XXXX XXXXXX/XX/XXXX, ( XXXX days ago ), when I spoke with them over the phone, they insisted the credit is valid in my name. The address they have on file for the fraudster is totally different from my address. I have been living in my address for over 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: ERC
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: Old information reappears or never goes away

Complaint:
These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had already submitted complaint XXXX but the details of the situation are below : I have been a victim of identity theft since XXXX I had notified and frozen my report with all 3 bureaus, there were numerous attempts but none successful until this past week. 

On XX/XX/XXXX, I received an email from Experian that my information was changed in their database, I did not request any of those changes be made. I called them the same day and requested the file be frozen as I faxed and mailed my information in which I did that same day. They promised me on a recorded line that the file would remain frozen until I got the PIN # in the mail to my address on file. 

On XX/XX/XXXX I received an email that my file was thawed until XXXX there were 2 inquiries that hit my report from XXXX XXXX and XXXX XXXX that were both fraudulent. 

On XX/XX/XXXX I called Experian again to try and regain access to my file and online portal, they were able to get me into the account last night around XXXX. I felt like everything was good I added 2 factor authentication and a security PIN to the account. 

On XX/XX/XXXX I logged back into the portal to verify my credentials were valid and immediately saw they were reverted back to the fraudulent email that had been flagged for them before. I asked if they could get me back into the account and add any security measures they then proceeded to transfer me to 4 different departments before hanging up on me. They told me the only way they could protect me is if I did a paid membership with them to protect my credit which I have little to no confidence in given the 19 hour turnaround to get me removed from my own file/account again.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Attn : XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX, FL. XXXX Dear Ms. XXXX XXXX, Re :  Account Number XXXX First, I want to thank you for your services and kind support to both myself and my wife, XXXX in regards to our dispute relating to the above account. 

As per our conversation on XX/XX/XXXX, please find the attached documents in support of our dispute. It is clear that we made a payment online XX/XX/XXXX for said month ( see attached ), but the portal system scheduled the payment for XX/XX/XXXX. We have no control over when they get the money from our bank ; in this case they got the money XX/XX/XXXX. 

Even though the payments are due the XXXX of each month, XXXX XXXX allows us to make payments up to the XXXX of each month without penalty ; that is 10 days after the due date ( see attached example ). In this case the month of XX/XX/XXXX, XXXX XXXX got the payment 9 days after the due date, of which is XX/XX/XXXX We have in the past, made payments on the XXXX of some months and was not penalized. ( see coloberated bank statements attached ). This time their credit dispute department report our payment as delinquent to TransUnion, just 7 days after they received the payment, and as a result our credit score has been seriously damaged ( see attached ). Since then, we reached out to them verbally and in writing aimed at a fair resolution but they adamantly assured us they will not make any changes to their reports to the credit bureaus. 

I am now preparing a complaint to report to the Consumer Financial Protection Bureau and the XXXX, and the credit bureaus, but will not file it before the next seven days, in case your intervention makes a difference ( hopefully ). 
Thanks once again for your time, goodwill and effort in this matter. We do appreciate you, regardless of the outcome knowing you can only do so much in cases of this nature. 

Yours truly, XXXX XXXX Email Disclaimer This E-mail contains confidential information belonging to the sender, which may be legally privileged information. This information is intended only for the use of the individual or entity addressed above. If you are not the intended recipient, or an employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any disclosure, copying, distribution, or the taking of any action in reliance on the contents of the E-mail or attached files is strictly prohibited.

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 2017-05-09
Company: PCR Group
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 information incorrect

Complaint:
I have pulled my credit report and  Account Adjustment Bureau is reporting infor  mation  on all  XXXX  major bureaus and is not bonded in the  State  of Texas to collect a debt. I have contacted them in hopes to resolve the issue by removing the negative information from my credit file. They refused and I advised that they are not bonded to do business in Texas. The representative advised they did not need to be and ended the call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/2021 While checking to see if my automatic payment from my checking account post ] ed to my PayPal master credit card, the system stated to me I needed to contact customer. Immediately, I contact my credit card company which Synchrony bank to see what's going on. First representative, stated to me I reported my card lost or stolen. I then replied and stating I never called to report that, my card is here in my hand. I asked to get my call escalated to a supervisor. I spoke to a supervisor, she informed me that the prior rep gave me the wrong information. However, they were informed my account was fraudulent opened and I ask who informed your company that, That's not true. I opened my account and I actually had to fully verify myself by scanning my face and the front and back of my state issued DL prior to getting an approval. She said she's very sorry that I experienced this issue and she will help to get my account verified. She then sent me a link via text where again I had to do the same process as before when I applied a few months ago, scanned my face and front and back of my ID and then give her the code that was sent after. She then, fully verify me and made a note to send to the investigator on the case. She advised me that a new card will be issued and to destroy the one I have in my hand. I asked if I can get a reference number to follow up, she said no there's not one to be given. I asked can I have the investigator 's name and number to follow up with this issue, she said she can't give out that information. She said however, I can call and provide the customer service rep with the last 4 of my card and they can help with any of my concerns. Today, I receive notice from XXXX, XXXX, and XXXX  that my account was closed. Immediately contact customer line to inform them of this and have them to reopen my account. Called over 5 times and no one was able to help or transfer me to the right department. This is a mistake on their behalf, I would like my account to be reopened in good standing and report this account to all reporting credit agencies with the report of my prior payment history. This is a huge inconvenience and their customer service agents sucks.

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 2019-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In early XXXX around the XXXX or the XXXX my brother recieved a call from Portfolio Recovery asking if the could speak to me. He stated he was my brother and that he could give me a message. So since he knew my name, the repersentative preceeded to tell him I owed for 2 outstanding account within their office and gave him the amounts {$640.00} and {$440.00} and who the original creditor was XXXX XXXX XXXX and told him that he better tell me to call them. I called them when I got off from work and was basically told that since he knew me that they could tell him everything. She even told me that they can continually call him until I pay off the debt owed. They have since called him 2 more times. With him telling them to stop calling his phone. I have sent them letters asking them to correspond with me by mail only but the seem to ignore those requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
during a 7 year fight with XXXX XXXX XXXX in which they took back a valid home loan modification that I paid on I have been XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and now due to a fall XXXX XXXX XXXX. The Bank sold my loan after I filed a complain with the FCC and they were found guilty but they refused to correct and let me start making payments. They kept the financial balloon payment, which was XXXX and part of the modification on the loan and changed my rate to 8.75 % up from 2 %. I tried writing 10 times to the company they sold my loan to Nation Star and they would not acknowledge the service error on the file. during this time I was undergoing XXXX XXXX. I paid Nation Star 10 payments and they took them but returned the 10th payment saying I didnt meet their criteria for help. I hadnt submitted anything to them other than to tell them I was trying to get help but they had a service error on the file. I asked for help for XXXX county legal aid and XXXX XXXX said she had never seen a company behave so aggregously but i would have to pay an attorney to sue them because they had no funding at the time. I sued them and case number is XXXX. During the court case I believe around XX/XX/XXXX the Nation Star service company admitted to service error by correcting my rate to 2 % but would not allow me to start making payments again at that rate. Then I became hospitalized and judge would not allow for the fact that I was bed ridden from XXXX XXXX XXXX XXXX XXXX, so judge XXXX XXXX dismissed the case 4 months later. Now Nation Star is using my Illness through XXXX XXXX XXXX to Cut off my prescription healthcare coverage because XXXX  XXXX XXXX is my employer

Company response to consumer: Closed with explanation