BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX under the direction of Shellpoint create and use fraudulent documents in court. Same documents are also filed into various county land records. This company is not compliant with Foreclosure Laws. 

Shellpoint claims to have no knowledge of the loan being in loss mitigation. I have a letter from Ditech acknowledging receipt dated XX/XX/XXXX. If my file was acquired legally by Shellpoint they would have this information from Ditech. 

Shellpoint claims to have never received my loss mitigation application or even having knowledge of it. However, it was mailed certified, and signed for on XX/XX/XXXX. 

XX/XX/XXXX Shellpoint claims to have servicing rights. 

Did Shellpoint legally acquire servicing rights to my mortgage? They claim ownership of the loan using a fraudulent mortgage assignment. If Shellpoint is a Debt Collector who is the Creditor? The response letter they sent to me states that Shellpoint is servicing the loan on behalf of the owner. Who is the owner. Why are they being so vague. Is it because they have illegally acquired servicing rights from a Bankrupt company. 

No original Note. The note they attached to the file has brass tacks at the top. Shellpoint is servicing a loan they have no right to service. Can they provide a free and clear title when the loan is paid off? Or will they continue to create fraudulent documents, to cover up the fraud. 

There is an assignment of mortgage used by Shellpoint dated XX/XX/XXXX, signed by a robo-signer XXXX XXXX XXXX XXXX XXXX of XXXX. 

XXXX is actually an employee of XXXX XXXX XXXX. How is this not fraud? 

XXXX XXXX has no right to assign any mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has posted numerous documents signed by this impersonator. 

I have attached : Letter from Ditech regarding loss mitigation Certified green card - dated XX/XX/XXXX Certification from Attorney certifying to have spoken to XXXX XXXX the document Execution Representative for Ditech - XX/XX/XXXX Mortgage Assignment signed by XXXX XXXX as Assistant Vice President of Greentree Mortgage XXXX - XX/XX/XXXX Assignment of Mortgage signed by XXXX XXXX as XXXX XXXX of Ditech XX/XX/XXXX Additional robo-signed documents by XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX. 
Letters from Shellpoint admitting to using these fraudulent assignments as proof of ownership of servicing rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
For the last two years, I have asked XXXX, XXXX, and Experian to delete a charged-off account that I have with XXXX XXXX  because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, XXXX and XXXX keep moving the the date of last activity to every month, including this one, and Experian moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off 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 2022-02-18
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

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 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent account on my credit report. It has been an unacceptably long time since I first reported this fraudulent entry, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX, XXXX XXXX PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. The fraudulent account is not mine, and I have never authorized any of the transactions associated with them. Regrettably, my efforts have yielded no results, and I have received no satisfactory responses from your bureau. However, their lack of response or assistance has further compounded this issue. 
The continued presence of this fraudulent account on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. I demand that you treat this matter with the utmost urgency. Ensure the immediate removal of all fraudulent account from my credit report. Any further delay is inexcusable and exacerbates the harm caused to my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX  # has violated my rights.

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

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: DE
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 recently received a copy of my ( Experian ) consumer report, and I noticed some late payments posted on my consumer report : 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  Experian is reporting these Accounts inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from XXXX XXXX to no avail. XXXX XXXX has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to XXXX XXXX XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to XXXX XXXX XXXX XXXX, he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to XXXX XXXX XXXX XXXX, but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to XXXX XXXX XXXX XXXX. 

The most recent letter I received from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from XXXX XXXX XXXX XXXX, I implored the representative from XXXX XXXX XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that XXXX XXXX XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to XXXX XXXX XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXX XXXX debt was sold to XXXX XXXX XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXX XXXX. Even before my XXXX XXXX XXXX XXXX account was sent to their own collection department, XXXX XXXX itself, also always provided me with a receipt of payment for every payment I made. 

To date XXXX XXXX XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX. This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from 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 2023-07-21
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2023-02-17
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX for debt collection which looks fake. It states that I have outstanding debt with XXXX from XX/XX/2020. I have never had an account or used this service. When I try to get information from XXXX, they want personal information such as social debit security number. I just purchased a vehicle this summer and have the highest credit rating. This XXXX debt if valid would have shown on my credit report. It did not because it is fraudulent. I believe someone is trying to get personal data from me by trying to impersonate debt collection. 
I have never received any communication or letters attempting to collect any debt from XXXX or XXXX until today. The debt listed on this letter is from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: TN
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:
in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS 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 2022-02-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX Account Number XXXX Affirm XX/XX/XXXX Account Number XXXX WayFair XX/XX/XXXX Account Number XXXX XXXX XX/XX/XXXX Account Number XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2018-08-27
Company: EQUIFAX, INC.
State: MI
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:
Equifax credit bureau has had my identity theft information since XX/XX/2018 and all verifying information. I sent the same inforamtion to experian and transunion and they have rectified the problem in accordance with the fcra. Equifax refuses to remove the fraudulent information. I have spoken with the colleciton companies and submitted the fraud information to them as well and they have told me that they are not reporting the fraudulent items. Equifax has had well over the alloted time and has not updated the credit reports even though it is not being reported by any collection companies. They have not in any way investigated and removed the items. They are as follows, XXXX XXXX/fraudulent, XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent. I have faxed, mailed and called equifax they have refused to update the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: PA
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:
After a thorough review of the " updated '' information that the company provided after my dispute requests, the company has been found to be in violation of my rights as a consumer. 

15 U.S.Code 1692, I have the right to privacy. I did not give written consent for this information to be publicly furnished on my consumer report.

The company has willingly and knowingly violated my rights as a consumer pursuant to 15 U.S.Code 1681 ( i ) ( a ) ( 6 ) ( 3 ) ( b ).

It states a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5th day a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I've sent your company multiple letters to validate this alleged debt. Asking for the company to provide some kind of proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Also, I requested that the company provide the name, address, and telephone number of each credit grantor or other subscriber. In lieu of the disputed information, the company willfully failed to conduct a reasonable investigation dispute and your exhausted assumption is not a valid reason under the Fair Credit Reporting Act. The company has not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have the company sent me completeness and or accuracy of information contained in my consumer file. I received a notification via experian.com that the company that reported the information has certified to your company that the information is accurate. If this is true, where is the information Ive requested that I am lawfully obligated to have?.

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