BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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 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.

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 2021-12-15
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was just incarcerated between XXXX through XXXXi just recurved notice of a illegal utility bill that was in my name. This is damaging to me and family. This weather is going to bad for the winter and I'm worried about my status to move back to Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request to the original mortgage servicer, XXXX XXXX, for loss mitigation. During the process, my loan was sold to a third party without notification from XXXX XXXX, but the third party. The third party, XXXX XXXX XXXX XXXX XXXX, notified me on XX/XX/2019. When I contacted XXXX XXXX, they did not confirm or deny. Weeks later, I finally received a letter from XXXX XXXX indicating that my loan was being sold to Fay Servicing. Fay servicing mailed out statements, etc ... When I called them to determine the status of the loss mitigation, I was told that all of the paperwork would be on file from XXXX XXXX and that my account manager would follow up. Each time I call I can not get an answer. My most recent phone call interaction was information telling me that the loan has been sold to yet another servicer as of XX/XX/2019 and I should have received correspondence. I have not. I am fearful that these companies are playing the shell game with my mortgage in an effort to avoid processing my loss mitigation request and move to foreclosure of the subject property. How can my loan be sold in less than 30 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a personal loan with Lendmark. I have been put into a medical hardship. I have contacted a debt collection agency. They informed me not to contact any of the businesses that I have placed in debt collection. I have been receiving phone calls 4-5 days a week at my home since doing this in XX/XX/XXXX from Lendmark. I have 10 different companies listed on this account. They are the only company that is calling me and I feel like they are harassing me. It has not even been 30 days since we made this change. This company has called my job asking to speak with me as well. I am not allowed personal phone calls at work. I then called them and asked them not to call my job. I was then informed that I needed to make a payment on this account or it will and can effect my credit. I explained to them that I was more concerned with losing my home than my credit score. Then today XX/XX/XXXX a family member contacted me to tell me that someone named XXXX had called them trying to reach me. I then called and spoke with XXXX and he informed me if I didn't work with them I could be sued and could lose my home. My home is not connected to the loan that I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  Covid19 restrictions prevented us from making payments for 18 months. We are 34 years in our home. Have plenty of equity. Can resume making payments. The servicer SHELLPOINT MTG, likely received Federal assistance is denying XXXX  mortgagees a deferment during the 18 month period. They have repeatedly refused to allow us to resume making payments when XXXX Covid lockdowns/ protections have ended. 

Shellpoint repeatedly mislabeled our calls over the 18 months trying to deny we had asked for Covid19 protections due in XXXX. 

Shellpoint as servicer for XXXX XXXX XXXX XXXX  repeatedly engaged in aggressive collection tactics sending unannounced strangers to our home claiming to need to appraise our home. They had no appointment, offered no ID, shouted loudly they were sent by the bank so our neighbors would hear of distress, one in XXXX tried to discuss the matter asking in a speculative way what the situation was ... and today a third one found lurking in our yard, made claims he needed to enter our home. 

This is not the Covid19 protection XXXX  citizens deserve. It has been a nightmare. We also have a 2nd mortgage current as the 2nd mortgage servicer was a pleasure to deal with the whole while from beginning of Covid to now.

And employee working from home stated he has not seen any deferments given. 

This has already been shared with a XXXX and escalations in the corporate office of Shellpoint since XXXX when they refused to accept payments. 

They are trying to wear down and weaken the borrower so they can avoid deferrals of payments to the end of the loan. Their goal is to get a modification shortening the repayment term of the arrears, or foreclose. This will destroy the XXXX housing market if they are allowed to cause so many foreclosures. 

Shellpoint customers must be all offered a full resumption of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Ygrene Energy Fund Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I'm being charged by Ygrene / XXXX XXXX, for work that was not done. No doors were ever installed on my property but I'm being billed for them and YGrene ( XXXX XXXX ) refuses to remove these items from my billing. 

I'm also being billed for 2 canceled contracts Ygrene contract # XXXX was not completed. Their contractor ( XXXX XXXX ) did not make me aware that the work was incomplete at the time he requested final approval for payment. 

No doors were ever installed. This was confirmed by the contractor himself, documented by their Ygrene representative and submitted for correction. However Ygrene refuses to correct this billing, siting time lapse. 

Also, charges for the two contracts XXXX and XXXX were cancelled and should be completely removed from my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$120.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.

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 2022-02-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2018-08-15
Company: CITIBANK, N.A.
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:
On XX/XX/2018 I mailed XXXX 's Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXX 's and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from Citi Bank XXXX XXXX PL card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXX 's is in breach of contract and has violated the terms of the agreements.

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 2022-03-16
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Up until this point I have had no issues with American Express. I have never missed payments, never had poor experiences, etc. That unfortunately has changed. Recently my wife and I both applied for the Delta Gold card ( within the past month ). She was instantaneously approved whilst I was asked to provide " more documentation ''. This already felt odd from the outset given my credit history is substantially longer and my credit score was also higher than hers. She even had a small but nonetheless open collections account that we had been unaware of at the time of her application. Yet she was still instantaneously approved and I was not. 

I received a letter in the mail from Amex demanding that the documentation I provide by mortgage statements/home insurance statements etc. I also need to provide proof of my name! This is when it became apparent that I was suffering discrimination and the XXXX was being violated. My wife and I recently became homeowners and thus our address changed on our Amex accounts we were now owners instead of renters. Why was she not asked to provide supplemental documentation. Why is it just assumed that she is being entirely truthful and forthright about her address. Simply put, she has an entirely Caucasian name. We have not processed a last name change yet and thus her name comes off as entirely Caucasian. Both my first and last name clearly suggest I am a non-white person. The insinuation hear is that I as a non-white person I am not as creditworthy and may have made a false statement in claiming that I own a home ( or even gave a false name according to Amex?! ). This is simply unacceptable. 

Perhaps the true final nail in the coffin was my wife had never remembered to change her address when we became homeowners. Amex had my new address already, but they hadn't had hers. She had applied for something else previously ( and was instantly approved ), and informed me she got a letter from Amex saying it appeared her address in her account was potentially incorrect. Yet she was still approved instantly. Amex changed the address in her account on her behalf, and just simply accepted the fact that it's her home. Honestly, my credit report clearly shows both my address as well as my mortgage. It's absurd. 

I went from being a XXXX, XXXX, XXXX XXXX XXXXXXXX youth to someone who is about to earn a XXXX XXXX XXXX, has a credit score well beyond the average for my age, was a first-gen home owner at XXXX despite my upbringing, and still my worthiness within the financial marketplace is questioned, in fact my story invalidated, because of something I can not change about myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
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:
I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CI XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$120.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 15 USC1681 section 602A. States I have the right to privacy.

15 USC1681 section 604A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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

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 2022-03-16
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-07-31
Company: ALLY FINANCIAL 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've previously submitted a complaint to Ally Financial on this site. XXXX from Ally call me back this week stating that they CAN NOT find my name in their system. I provided my SSN to him and no word. I need this resolved ASAP as its negatively impacting my credit score. As its past the 15 days from my previous 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