BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: FL
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:
DISCLAIMER : This is NOT A DUPLICATE. This complaint is in response to Experian 's response on a recent complaint. Please see attachment. Accounts they're stating are " reporting accurately '' are still ILLEGALLY REPORTING on my credit report. Experian didn't even do their own investigation into these ; they're literally taking the creditors ' words for it! Please tell me how an XXXX  account that not only reports CONCURRENTLY as " OPEN '' and " CLOSED '' but also -- as a collection -- reports a " PAST DUE '' ( with XXXX ) is 'reporting accurately '. AND, I show you proof of it! You're literally looking at the proof, yet you come back saying 'xyz XXXX is accurate??? Okay. Please tell me how 3 RE-AGED ACCOUNTS are " reporting accurately ''. Please tell me how all of the disputed accounts have different and often missing dates for " account open '', " account closed '', " date of last activity '', " date of last payment '' etc. is " reporting accurately ''! All of the disputed accounts STILL REMAIN in my credit report when they are supposed to be DELETED. They all contain incorrect, conflicting info and violations. These are all grounds for accounts to be deleted! On top of all of this, Experian actually ignored my disputes, which is ANOTHER violation. I demand that these accounts be deleted immediately from my credit report. My ID and SS card are included in the attachment.

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 2018-06-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really  worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of  Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On Saturday, XX/XX/XXXX I received an email from XXXX that my account would be deactivated if i did not confirm my account and login. Without thinking this was fraud, I IMMEDIATELY responded to the email. After responding to this email, a transfer in the amount of {$220.00} was done to someone by the name of XXXX XXXX. Leaving me with only {$0.00}. As soon as I noticed the transfer, I IMMEDIATELY contacted Bluebird American Express in regards to this unauthorized transaction and entered a dispute with an agent over the telephone on Sunday, XX/XX/XXXX. During the dispute, they adviced me to send the email that I received in regards to the scam ; I forwarded the email to XXXX ( I will attach a screenshot of this original email and the forward i sent ). However today, Monday, XX/XX/XXXX I received an email stating the dispute was declined and my account has permanently been suspended. I then called account services and told them what is going on and they mentioned that the account being closed is permanent, however they will try escalating the issue and see if they could credit me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: The Bureaus, 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:
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: AVANTE
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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending letters to Equifax all year to remove an account because it was not properly verified and it violated my rights I have asked Equifax For verification and I have also asked them for method of verification which they did not provide but According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Your company is required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you post on a credit report to a sure maximum accuracy. 0n XX/XX/2020 I sent a letter providing proof that they did not properly verify my account and have violated my rights under the FCRA I have attached proof of this error and a recent screen shot of the credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: GA
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:
This account with XXXX was paid in XX/XX/XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: LA
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:
Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Resurgent Capital Services L.P.
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:
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-11-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Good evening XX/XX/XXXX I tried to reach out to Santander about the lawsuit that's going on with the company because I think I should be part of Loan Forgiveness and Car Title because I have Defaulted on the loan but the vehicle was not repossessed I couldn't get any help from the person on the phone they were very rude because I would not give them my address to collect a debt. 

SANTANDER CONSUMER USA Date opened XX/XX/XXXX Status Charge-off XX/XX/XXXX Past due amount {$21000.00} Original loan amount {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've asked EXPERIAN CREDIT BUREAU several times to remove inaccurate personal information that is reporting on my credit. For example my name being reported incorrectly, unknown addresses, and the employer status that is invalid. 

I have contacted EXPERIAN CREDIT BUREAU on several attempts to get this matter rectify. First attemptXX/XX/XXXX, Second attempt XX/XX/XXXX, Third attempt XX/XX/XXXX. On my third attempt I expressed if this matter isn't corrected, I will be force to file a complaint with CFPB. My petition was disregarded. EXPERIAN continues to report the wrong personal information in my file. 

I hope who ever reads this complaint will be able to help me in this matter. I have been a victim of identity theft once before in my life. It is a terrible, stressful, and unfortunate thing to deal with. Therefore I am trying my best to protect my information at all levels. THANK YOU IN ADVANCE.

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 2020-08-22
Company: Experian Information Solutions Inc.
State: MS
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 clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX Experian, and XXXX XXXXAs a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my 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 explanation
Consumer complaint received 2021-05-27
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Date : XX/XX/2021 XXXX XXXX XXXX as an agent for Freedom Mortgage Freedom Mortgage XXXX XXXX Emailing XXXX XXXX via a public internet provider ( XXXX XXXX in an attachment without encryption or other protection ( clear text attachment ) of the date identified below : Sending email unencrypted through a public network may be equivalent to publishing the information. Sending non-public information in an unencrypted email is therefore publishing non-public information. 
Confidential and non-public information included : Account number Social Security Number Date of Birth Name Address XXXX XXXX XXXX XXXX account numbers ( 2 accounts ) XXXX XXXX XXXX account number XXXX XXXX XXXX  account number VA loan number This is in violation of : Federal Trade Commission Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Reporting Act FTC document Protecting Personal Information A Guide to Business This demonstrates as lack of an adequate : Security Program Vulnerability Assessment / Risk Assessment /Security Plan / Mitigation Plan Security Measures tested Employee Training Electronic Controls / System Controls Plan for Responding to Security Incidents

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation. I have knowledge of the fraudulent accounts on Transunion credit report. 
FTC Identity Theft Report No. : 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 2020-08-22
Company: Experian Information Solutions Inc.
State: NC
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: Didn't receive services that were advertised

Complaint:
I moved into my XXXX house in XX/XX/2020 I requested internet service from XXXX XXXX XXXX and they scheduled a technician to come over to do the installation. When he arrived and looked around he told me he couldnt provide me with internet because I needed to do some complicated wiring. So he suggested I call XXXX and gave me their phone number. He then proceeded to tell me about at XXXX XXXX mobile services and he invited another technician to come over and explain the offer in better detail. The technician arrived 15 mins later and gave us this great speech about free phones and Discounts and that they will take the old phones and give us new ones at no charge and that we didnt needed to deal with our old carriers because they will handle bringing our phone numbers over to XXXX XXXX XXXX and that they will cancel it all for us. A month later we get a XXXX bill from our old XXXX for non payment of the old phones and there were XXXX active remaining lines on the account ... it been a real struggle to resolve this because XXXX XXXX XXXX refuses to take responsibility for their unethical business practices.. I just moved to our new home and att sent a technician to hook the internet and after the same speech just left and didnt get the connection finished. I requested XXXX but it seems that att is handling all XXXX installations.

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 2018-05-03
Company: EQUIFAX, INC.
State: GA
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:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00} XXXX XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX Opened XXXX {$710.00} XXXX Opened XXXX {$840.00} 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 non-monetary relief
Consumer complaint received 2021-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery A is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given them written instructions to report anything on my credit report. They have harmed my reputation and stop me from receiving services or goods by lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to update my current address with Experian and asked them to remove all others but was denie. 

Current and only valid Address XXXX XXXX XXXX XXXX XXXX KY 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 2020-07-28
Company: EQUIFAX, 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:
Equifax did not update the Status field. The accounts are paid as agreed under the new contract but in Equifax the status field is still showing as " Charge Off '' and " Collection Account ''. These accounts were paid as agreed, under a new payment plan/contract. When Equifax shows " Charge Off '' on the status field it gives the illusion that these accounts were not paid when in fact they have been paid. Therefore the status field is a false statement as it is not the current status of the loan. If the company was paid as agreed on the secondary contract, then the Status field should reflect that. This is how the other reporting agencies handle these type of cases. Again, it is a new contract and it is ok to show under additional field section the original contract information which is " paid for less than full amount ''. However the current status of the loan should be what is reflected under the status field which is " paid as agreed '' under the new contract. 

Equifax only added an additional comment on the file which is pretty much useless because additional information is not showing the actual/true status of the loan.

Company response to consumer: Closed with explanation