BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: FL
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 am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and the specific requirements of 15 U.S.C. 1681a ( 2 ) ( i ). I have attached my demand letter dated 10-4-2023 as evidence of the issues I am experiencing.

In my demand letter, I requested the removal of specific information from my consumer credit report, as provided for under 15 U.S.C. 1681a ( 2 ) ( i ). This statute explicitly mandates the exclusion of information solely as to transactions or experiences between the consumer and the person making the report. The specific accounts and transactions that I requested for exclusion are detailed in the attached demand letter.

Despite my efforts to resolve this matter directly with [ Credit Reporting Agencys Name ], the requested action to exclude this information from my credit report has not been completed. I believe that Experian is in violation of the FCRA and 15 U.S.C. 1681a ( 2 ) ( i ) by failing to comply with this statutory requirement.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Experian for its non-compliance with federal consumer protection laws. I also request assistance in ensuring that the inaccurate information is promptly removed from my credit report. 

Enclosed with this complaint is my demand letter dated XXXX as evidence of my efforts to resolve this issue directly with Experian. 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your prompt consideration of this complaint.

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 2023-05-04
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was with XXXX Bank. In XX/XX/XXXX they sold it to Specialized Loan Servicing. I did not need to have and escrow account as I paid more than 20 % down. I have always paid my property taxes and house insurance. XXXX XXXX I switched from one insurance carrier to another. Proof was sent to XXXX XXXX. The first thing Specialized Loan Servicing did was open an escrow account and insinuate I had no insurance on the property and placed me into a substandard expensive insurance company. I wrote to them in XXXX and XXXX. They ignored them. I called in XXXX XXXX and was told to again send them proof of insurance, which I did. Effective XX/XX/XXXX I changed insurance companies and they started taking the monthly premiums on auto pay. They sent the company notice, not a bill. In XXXX XXXX I started getting letters advising I was behind on the payments. I have consistently sent them the loan amount plus extra to be applied to the principle. I've written to them and called them numerous times over the past XXXX months to no avail. Now they are saying I haven't paid a house payment since XXXX XXXX. They attempted to raise my payment from {$260.00} to {$750.00}. I have no idea how they came up with that amount. I have XXXX my property taxes every year which cost around {$1000.00}. I called my house insurance carrier to find out about the premiums. They informed me that Specialized had opened a debit card in my name and paid the insurance premium for the year. The company had not sent them a bill. They thought it was my personal debit card and reimbursed it the premium I had paid. Specialized never told me any of this. Any overages I paid to the principle are in suspense and they have been holding every payment I have made and not crediting my account. I will end up paying more in interest. I am attempting to pay the loan off in 10 years rather than 20 which upsets them. Now I have received a letter stating they will foreclose in 33 days if I don't pay them {$4100.00} which is more than the house payment and insurance combined. I have been paying an additional {$160.00} to reimburse them for the house insurance they paid. That is what would have been taken out by the insurance company. I can not refinance because they have reported to the credit bureaus that I have not made a house payment in 7 months. They also have someone taking pictures of the home. They are saying the house is unoccupied. No one at this loan company will honestly tell you anything. I want it stopped.

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 2021-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Portfolio Recovery Associates, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: WI
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 recently consolidated my student loans. I had closed student loans on my credit and could not contact a particular company to verify anything because they are now closed, and some seemed to be showing up multiple times ( as it seems they were duplicated? And accounts get sold, etc ). It was the ORIGINAL COMAPNY that I took the loan out with. So, since I am trying to clean up my credit and figure out where everything is at and can not verify anything with them, I disputed some ( but Experian wouldn't let me do them ALL because they were DUPLICATED!!! ) And explained that they have been closed, they latest one since was canceled in 2011, the company is closed, I can't verify any information, I have since consolidated everything, with that and because of the time frame I want it removed from my credit. INSTEAD they update my report the NEXT day saying they closed it, everything is permanently and remains the same and as of last month those loans belong to the government. All of the information stayed the same. The open date. The close date. The amounts. But the updated date changed. And my credit score drastically dropped! I sent them pictures of the national loan data base showing them ALL my student loans and that it in fact was closed, and that All of them are in fact XXXX balances except one, the open that I consolidated. It SHOULD be removed it is over 7 years old and they COULD not have verified that from a closed company! They LIED. how did they get that information in 24 hours from a closed company, or the government? They have everything they need from me to update and remove it and raise my score accordingly. They are damaging my credit for no reason. For accounts that were opened 10/ 8 years ago, and are currently consolidated. There is no reason for it. What they're doing is fraud! The only thing I can think of is them getting there information is from my national loan data base is it has a date ( of last month exactly like they put, too ) that said interest owed. But they obviously did not do their research to see that its closed and the balance is XXXX! They're did not investigate properly at all and are ruining my credit more when I am trying so hard to raise it and move forward with me life.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: MS
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 fair credit reporting act XXXX Account number XXXX ( XXXX XXXX XXXX XXXX has violated my rights. 

15 U S C 1681 Section 602 A states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to express my ongoing frustration and concern regarding the numerous attempts I have made to rectify inaccuracies on my credit report. Despite my persistent efforts, the incorrect information continues to adversely affect my financial standing. I am writing this letter in the hope of drawing your attention to this matter and seeking a prompt resolution. 

I am fully aware of the importance of accurate credit reporting and how it influences my ability to secure loans, credit, and financial opportunities. These inaccuracies have caused significant harm to my financial well-being, leading to higher interest rates and missed opportunities for various financial transactions. 

I respectfully request that your bureau takes immediate and thorough action to investigate and remove the inaccurate information mentioned here from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct these inaccuracies, along with a timeline for their removal. Transparency in this process is essential to help me understand the resolution timeline. 

Should these inaccuracies persist on my credit report without corrective action, I may have no choice but to explore legal avenues available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed the following inaccurate information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
My mother-in-law purchased an American Express Serve card thinking that it was a gift card. The product was placed in the store amongst the other gift cards and came in packaging that looks like a gift card. In order to use the card, you are required to set up an account with American Express and provide identifying personal information including a social security number. This is product is marketed in a deceitful manner that makes it appear to be a gift card when it is actually a ploy to either harvest personal data, or steal money from people who load it at the store. 

I contacted the number on the card XXXX and was told that setting up an account is the only way to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: NC
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 was told that my credit file was merged with a man born on the same date and same first name as me. His child support information and XXXX XXXX information along with his address information is on my file. I need to make sure that this isn't causing garnishment from my income taxes. I have no children. There are several address information on my file and it has been causing issues, his mail has been coming to my resident. I need to know if I need an attorney.

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 2023-10-05
Company: EQUIFAX, INC.
State: MD
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named Midland Funding, LLC. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the Fair Debt Collections Act and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation