BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
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:
In accordance with the fair credit reporting act XXXX  Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy.

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX XXXX {$5800.00} Delete XXXX  XXXX {$2400.00} Delete

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 2023-03-09
Company: EQUIFAX, 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 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX  sent to the XXXX  set up on a XXXX XXXX sat in XXXX XXXX XXXX XXXX starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the case where I was XXXX XXXX XXXX  which is the reason XXXX XXXX  was involved

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 2015-12-10
Company: Rocky Mountain Recovery Group
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A process server has come onto my property which is marked with multiple " no tresspassing '' signs. She claims that she was given permission to do so, she was not. She claims that the paperwork she needs to serve is in sealed envelopes so she does n't know who it 's from. She claims to work for Rocky Mountain Recovery and XXXX XXXX XXXX who claim to be attorney 's in Wyoming but no one has ever seen in a court of law. I have told her I will not allow her on the property with this vague information and she claims the order is signed by a judge which gives her that right ( how can she tell if it 's in a sealed envelope ). I told her if she tresspasses again I 'll have her arrested and seize her vehicle. I 'm also in the process of filing a restraining order against both of these companies as well as this person. She has harassed my son who is staying with me while he recovers from a XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-05
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Sent certified letter requesting account closure in XX/XX/2023. Company has not responded or closed my account

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 2023-02-01
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:
NOTICE regarding Failure to fix error after unlawful investigation causing harm and injures to my mode of living, disgrace to my reputation and defamation of charactor.

I am demanding ALL UNVERIFIED alleged accounts below removed immediately.

1. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account 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 2023-02-01
Company: Experian Information Solutions Inc.
State: MD
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:
Account Name : US. Department of EDU Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, Experian, XXXX, and XXXX on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These accounts were opened fraudulent and would like them removed from my TransUnion credit report. The accounts are listed below. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$8.00} Last Payment Made XX/XX/XXXX High Balance {$8.00} Credit Limit {$750.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX XXXX  Account closed at consumer 's request ; CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$0.00} Credit Limit {$1500.00} Pay Status Current XXXX Paid or Paying as Agreed Terms Paid Monthly

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 2022-12-27
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Experian is reporting an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report & I have never made any transaction ( s ) with XXXX  XXXX XXXX  While the burden of proof lies with XXXX XXXX XXXX & Experian, I have issued an Affadavit of Fact & Identity Theft report ( attached ) of which neither XXXX XXXX XXXX nor EXPERIAN have provided rebuttal. If EXPERIAN maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have provided an Affadavit of Fact in rebuttal ( attached ) to be signed by Experian.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: MD
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage is trying to charge for any payment for a mortgage other than an automated payment. I have never missed or been late for a payment and make them online. I do not wish to use their automated payment system as I do not want my information stored on their servers. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I reached out to Venmo because there was an unauthorized transaction made on my account ( of {$190.00} ) to XXXX-ny. They were uncooperative even after I confirmed that I did not know the user who received the funds. Venmo stated that they could n't do anything about it, despite me not knowing the user on the other end which absolutely shocked me as I have never received such a dismissive, unprofessional response in my life. I have used Venmo for years and have never had an issue like this and it is very unfortunate that this occurred to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My mortgage company is now using a new fee bucket called " Default fee '' {$84.00}, its applied and then waived and the new fee bucket shows as unapplied for {$50.00} as debits and then credits. I have a complaint pending resolution for this same pattern of fee abuse, now its getting worse. The former fee balance was {$150.00}, it went down to {$86.00} now its up again to {$110.00}. THIS IS RIDICOULOUS, what on earth are these fees, what is a DEFAULT RELATED COST PAYMENT and a DEFAULT RELATED COST WAIVER Buckets... I make my mortgage payments every month < 30day late, the late charges were waived every month and now this is a new fee bucket appearing.

I want the investor/owner of my mortgage to explain to me what Shellpoint Mortgage is doing with my mortgage, Shellpoint is convulenting my payment history with these fee buckets and dollar amounts. I am in the middle of a financial transaction and this issue is causing problems for me when I present my payment history to my bank .... 

I WANT ANSWERS TO WHAT IS GOING ON...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was sold to Carrington Mortgage about a year ago they started charging me about {$560.00}. for my escrow every month for a year. Now they are charging me {$670.00}. for my escrow a month. I Called my city and they said my taxes went up but not that much. I then called my insurance and they said my insurance went up {$14.00}. so somethings not adding up and that would be the numbers that are not adding up at all. Especially since my escrow is at XXXX as of right now so all this money is going in where? why is that and where is that money actually going to if all my stuff has been paid for?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job and do not have an income at the moment. I am still waiting for unemployment to start being paid and the amount will be minimal when it does. I called Honda Financial on XX/XX/2023 around XXXX  to see if they had any options for assistance such as a deferment. I was placed on a brief hold and then the rep, XXXX, advised that I was not eligible for anything because I didnt have an income and because I would have to pay late fees. I explained I am doing everything I can to get an income and need some assistance, if I had a job I would not need assistance. I have had my car for 2 years and have not received any assistance so I am not a repeat offender or anything. I pay my payments within the month they are due and I have not been 30 days past due at any time.the rep did not care and was rushing to get me off the phone. I asked for a supervisor and was told this is not a supervisor issue. I advised the rep it is my right to speak with a supervisor and he again did not care and was trying to hang up. He then placed me on hold for an excessive amount of time I assume to try and get me to hang up. He refused to provide me with any information on a hold policy, the name of his supervisor, and did not have any information on where I could file a complaint or send written correspondence for research. All I need is an extension or deferment and at this point I feel they want me to fall past due so they can repossess my car since they are clearly not interested in working with me or the well being of their customers. This is very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.

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 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the (XXXX, XXXX ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez did not pay my Washington XXXX DC property tax bill. I received a letter from DC stating that I was delinquent on my property tax and that my house would go up for tax sale by XX/XX/XXXX. 

I called NewRez on XX/XX/XXXX or XX/XX/XXXX. I explained the problem. We identified then that the problem was that NewRez had the wrong parcel number. I gave them the correct parcel number. At NewRez 's request, I uploaded the delinquency letter to NewRez 's website. I was told that NewRez would resolve the problem by XX/XX/XXXX and call me back. 

On XX/XX/XXXX, I still had not heard from NewRez. I called them back. They apologized, took the same information again, and told me that they would call me back. 

On XX/XX/XXXX, I still had not received a single email or phone call from NewRez. I called them back. They apologized and took the same information again. This time the person I spoke to seemed competent, and that person escalated me to a supervisor. The supervisor told me they would call me back by XX/XX/XXXX. 

I can not believe that NewRez failed to notice this problem. But mistakes happen. What is most galling is that in almost 4 weeks, they have never bothered to reach out to me once. I have to go through hourlong phone calls to try to get help. And no help seems to be arriving. 

Moreover, I have to navigate a phone menu where I have to make selections or provide information 12 (! ) times in order to reach a tax specialist. I have to enter the last 4 of my social. I have to enter the loan number ( twice! ). As soon as the specialisXXXX finally picks up, they ask for all of that information again. So each of my calls takes 10 minutes to reach a person ( if there is no wait time ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation