BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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:
Experian has been sharing my information with out my consent Under Experian Privacy Policy It States -We share your personal information with third parties you expressly authorize, consent to, or direct us to share your information with. We may also disclose Personal Information about you to other contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them. For example, we share information when you request products or services offered by lenders, insurance companies, and other companies that we partner with. We also share information when you ask us to access data from your financial, insurance, and/or other accounts through one or more of our third parties. We may disclose Personal Information about you to a utility service provider for bill negotiation services if the disclosure will enable the utility service provider to perform a business professional transaction. They dont have my permission to Share my information The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Requesting Experian to Provide the CFPB Consent I gave them to share my information in my credit report to third parties and the affiliates and partners.

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 2015-05-28
Company: Rose & Associates, LLC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a XXXX time filing a complaint against this company in the last XXXX years. They can not provide me with any written documentation in regards to this debt and the debt they keep referencing is already paid in full via a different agency. Any letters they do send contain different amounts. They keep calling me at work, threatening to send police and send me to jail. When my HR manager tried to contact them it was a scam phone line. If I still owed this I 'm pretty sure my current bank would not have gave me a loan to purchase a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My mother received a letter in her mailbox from Results Unlimited LLC sometime in XXXX. It was for collection of a debt that I had from a previous apartment complex stating that I owed {$770.00}. I called Results Unlimited and spoke with XXXX and asked if I could make a payment arrangement as well as provide her with my current mailing address as well as confirming my phone number. She agreed and updated my information. I called on XX/XX/XXXX and I spoke with XXXX again and provided her with my checking account information. Two weeks had past and I still did not see the money taken out of my account. I called again on XX/XX/XXXX ( No answer ) and on XX/XX/XXXX. I spoke with XXXX again and she stated that she wrote down the wrong account number. I verified the correct account number with her and ask that she process a payment of {$450.00} on XX/XX/XXXX and the remaining {$320.00} on XX/XX/XXXX. That was the last form of communication that was made between me and this company. On XX/XX/2021 I got a call from my mother stating that a warrant in debt had been placed on her door. MY MOTHERS HOUSE SHOULD NOT HAVE BEEN SERVED. ESPECIALLY when it comes to MY personal information and they even had all of my updated information. I have not lived at my mothers house in over 6 or 7 years so why on earth would they just post a freaking warrant on the door? What if my mother didn't live there and someone else did? Now my business was posted on the front door of my mothers house when it should have never been served in the first place. I called this morning XX/XX/2021 and spoke with a XXXX or XXXX and explained the situation and even offered to make the payment but she still tried telling me that I have to pay court fees. She stated that they tried mailing me at my address but my mail was being returned as non-deliverable. That's funny considering after I updated my address back in XXXX, they sent me a letter no problem. I promise my house didn't up and walk away. It's their fault that they didn't properly collect the money in the first place. I did my part. I communicated and cooperated to resolve this debt and now I have a possible judgement. This place needs to be shut down and they should be counter sued by all of the other people they have screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 my mortgage servicer, Shellpoint, erroneously placed over {$1000.00} of insurance coverage they immediately charged me for. They wrongly said I did not have coverage. I have submitted multiple times evidence of sufficient coverage from my HOA ( I live in a condominium complex ) as well as my personal coverage for property not covered by the HOA. There were no lapses in coverage. Starting in XX/XX/2021 I contested this, and followed up 7 additional times via email, as well as with 2 additional phone calls. My emails were mostly ignored, and every time I have been on calls after hours of waiting to talk to someone I was assured I would get a refund, but now in XX/XX/2021 I have not. It appears Shellpoint may have initially made an honest mistake, by changing my property address by mistake when they bought the mortgage from my original servicer, but they are now fraudulently holding onto my money. They are now ADDITIONALLY charging me a fee every month which no one will tell me what it is for. 

I am now looking to refinance my mortgage, and given Shellpoint 's behavior to this point I need help with getting a refund on the lender placed insurance, a refund on all of the unexplained fees, as well as making sure they timely refund me my escrow upon loan payoff. I am deeply concerned they will continue to try and wrongfully take away my money, or drag their feet and hold onto it, and it is a very meaningful sum especially in light of the cash closing costs for my mortgage refinance. It's worth noting part of why I am refinancing my mortgage is because I feel that Shellpoint is a bad actor and I can not afford to spend as much time trying to protect myself on a go-forward basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: AR
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:
Submitted request for verification and removal of several items. Credit bureau, Experian did not send proper verification and refused to remove. XXXX XXXX Bankruptcy Ref 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 2022-08-31
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more 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 2022-08-31
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 XXXX XXXX XXXX Account Number : 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 an 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 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion is well aware of an identity theft.gov report as per previous rep spoke with the rep tonight said ca n't find report and Transunion is taking more  than 48 hour s to block fraudulent items on credit file

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 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2022-08-30
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was booking a flight on the XXXX website on XXXX XXXX XXXX for a flight trip on XXXX XXXX It showed me a promotional where it showed if I were to apply for the " DELTA SKYMILES GOLD AMERICAN EXPRESS CARD '' and get approved I would XXXX $ statement credit fir this flight booking and would be able to use the card this booking. But aftwr I got approved I was not given any instant account information and after spending 2-3 hours with various agents on calls who provided fake promises saying I could get an expedited delivery only to be negated by the next agent. 
I would not apply for this card if the promotional wasn't shown and that it said I could use it for my present flight booking. 
Now if I wait till XXXX XXXX to book for a XXXX XXXX flight, the price would become exponentially high. 

This was classic manipulation and deception on part of American express and none of their agents gave me a solution in stone except fake promises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more 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 2020-04-23
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
On XX/XX/XXXX, for the second time since XXXX I was refused a loan. The reason given was that in XXXX I had repaid loan but I paid late. When I asked what I could do, given a third effort, to correct the issue as they see it, I was told just " apply again.. .it might be different ''. During that phone conversation, I told them " I paid the loan ( 13 years ago ) why is my loan application being rejected twice now? They responded that " I paid late ''. I went on to ask how can I correct the problem, they responded apply again ( above ). 

I was told, and did call XXXX XXXX. 

I would like to be able to use Rapid Cash when, like now, having been laid off as a teacher during the Corona virus, there is an " emergency '' cash need. They are polite and efficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with 15 USC 1681 ( a ) ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Over the last 4 months, I have sent Experian countless letters requesting that Experian delete the accounts, XXXX XXXX and XXXX XXXX  XXXX investigated both accounts and removed them on XX/XX/2022. Experian is required to follow reasonable procedures to assure maximum possible accuracy which Experian has failed to do. I have provided Experian with an abundance of evidence of the inaccuracies furnished on my consumer report which Experian has failed to correct. Experian has failed to exercise their grave responsibilities with fairness, impartiality, and respect for my consumer 's right to privacy in accordance with 15 USC 1681 ( a ) ( 4 ). Im demanding Experian delete accounts XXXX XXXX and XXXX XXXX from my consumer report. I have attached the document from the CFPB of the deletions of these accounts from XXXX. This IS NOT an investigation request. I am Demanding these accounts be deleted. SEE ATTACHED DOCUMENT.

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 2022-08-31
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows 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