BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-29
Company: Credit Center, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly my registered mail requested debt verification from this company " Credit center , llc ''. They have never responded to me and I have followed up informing them that they in fact failed to respond and again received no response. I have US Postal receipts that all communications were received by them and I have never received anything in return either verifying the debt or explaining why they have failed to. 

original request for debt validation signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond notice Signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Most recent XXXX XXXXo respond notice sent XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: Shellpoint Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently lost property and was evicted after fighting in court. I inherited a home through a quit claim before, My late mother who pass in XXXX. The debt was time barge and even fighting in court. A quitclaim was not enough. And while I tried relentlessly to save the property, shellpoint the mortgage servicing continued to violate the dual process in Illinois. After they sold the property in auction in XXXX. It was not enough for them but try to sue me for a debt that I did not even own and was not even under my name. Being under constant stress from this mortgage company. I decided to hire a forensic tax expert witness who will testify in court if ask. In XXXX I was mailed a XXXX statement from Shellpoint mortgage. They are XXXX balances. XXXX for the amount of outstanding debt. Second lower income treated as ordinary income- meaning rent falls under form XXXX -and XXXX. Us code sec. XXXX and XXXX amount of {$520000.00}. Was the pay off. This statement is not a fraud as much as what the IRS calls proper characterization of transactions. The irreparable harm caused by the concealment. And material misrepresentations in statements. ( 1 ) an advantage for the household where the court can see not being on the right argument. ( 2 ) the correct attribution of assets and liabilities triggers a tax and tax payer form 1099 that was mailed to me. ( 3 ) The courts aware of the delima ( conflict ) Which would seem a deceptive practice by the court but its the states its interest. In abandoned asset that makes the case pleaded so important to be keenly aware what us properly informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2024-01-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Not only did I have payment application issues that Lakeview refuses to address, but they filed for a judgment of foreclosure, when they knew the house was under contract. They filed the judgment the day before closing in the sale, as well as simultaneously sending my account to a collection agency, which caused me to incur an additional {$7000.00} in fees I had to pay out of my proceeds from the sale that they knew was taking place the next day, in order for the closing to take place as planned. They have unnecessarily messed up my credit, including filing a false judgment of foreclosure so that this public record is out there for anyone to see. They have harmed me financially, since I have been denied rental housing due to this filing. Because of this, I am paying higher rent at a place I could find nearby, even though my income qualified me for the original lower rent complex. I was only declined because of this rushed judgment filing that was done strictly to harm and embarrass me. I have called numerous times since XXXX to request information and to ask that they remove the judgment filing, since no judgment was obtained, but they refuse to even talk with me. The closing agent and I were both in regular contact with Lakeview regarding the closing date for sale of the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in addition to Lakeview NEVER even provided any written notification of any pending collection action or pending judgment. Please help me in getting this corrected. I had file for XXXX XXXX  in XXXX, and I paid 100 % of my obligations. After all of my hard work, this was a slap in the face.

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 2024-01-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
To Whom It May Concern 's. l am frustrated with these 3 so called Credit Bureaus. l has requested numerous times to remove these inquires & delinquent accounts from my credit report. But to avail, these accounts are still affecting my credit score to drop below standards. This has been on battle since XXXX until now. If the CFPB would investigate this matter you see an overview the of the ignorance Under the Color law. There is a multitude of volitation 's by these 3 so call credit bureaus ' Just to name a few. 15 USC 1681b, Permissible purpose of consumer report. Also 15 USC 1681 Section 602A,15 USC Section 604 A consumer reporting agency can not furnish a accounts without written instructions. 15 USC 1681s-2 ( A ) ( 1 ) Section states ; no consumer reporting agency can not contain the following inaccurate information or has reasonable cause to believe that is damaging the consumer credit history. Also, they aren't even in compliance with metro 2 credit reporting. In accordance with the Fair Credit Reporting act under the rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX and Experian don't respect CFPB laws.

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 2023-12-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, XXXX and lakeview Credit monitoring to compensate for XXXX, XXXX XXXX, lakeview data breach XXXX XXXX Pw redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX XXXXXXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? 

Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. 

Never recd letter for most recent incident or one from XXXX How will I be notified if my data was impacted? 

You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free XXXX identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXXXXXX XXXX Incident Response Line, supported by XXXX at XXXX. 

Why did it take so long to determine if my information was impacted? 

Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. 

Have more questions? 
Call the XXXX XXXX XXXX Incident Response Line, supported by XXXX. Monday through Friday XXXXXXXX XXXX XXXX XXXX XXXX. ET This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers

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 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX of 2021. However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.

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 2024-01-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
In XXXX of XXXX, I received several pieces of correspondence from Regions Bank. The letters were to let me know that certain checks for an account in my name were being returned for NSF. I do not, nor have I ever had an account with Regions bank. I went to the local branch ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) and was assisted by a manager on duty. I was advised that the account was in my name but had a different driver 's license number. I am unclear if it had my SSN. Several phone calls with this manager over the next few weeks, I was assured that their investigation was complete and the accounts would be closed in my name. 

I received a new correspondence from Regions bank dated XX/XX/XXXX stating that another checking account issue had been discovered on my account. I have filed another identity theft 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-01
Company: Zions Debt Holdings
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of identity theft. I track down the person who use my information fraudulently to open a security system at an address I never live at. Ive tried contacting the company. They told me I have to prosecute this person but I dont have money to hire a lawyer. Thats not my signature in the application I have a police report is there anyway this can be removed I dont have money to hire a lawyer the person who used my information Her name is XXXX XXXX . The number that this person use on the application is not my number I was able to XXXX that number and I found a website by the name of XXXX XXXX XXXX I put that number in and her name came up. She also has a XXXX. She used a XXXX XXXX on the application as well. I was able to locate that XXXX  by the name of that email on the application.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, On XX/XX/2023, I was scammed out of {$3700.00} by a company that forged my signature. I reached out to where I thought this company was based XXXX XXXX XXXX  to challenge the charge through the XXXX  Attorney General 's office, who provided me information that the company used a spoof number, and several front companies to hide their transactions. I filed a dispute with Citi, who initially returned the charge. They then sent me notice that the charge is valid by showing me a document I did not sign ( with a signature on it ). Citi then " told '' me I have XXXX XXXX to respond, but I never got any paperwork on the matter until the XXXX XXXX had long past. I have field complaints across several platforms in hopes of having the money returned to 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was never late on this account. 
XXXX XXXX XXXX Account NumberXXXX Please correct/update this inaccurate information on my credit report.

2. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
This was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-01-30
Company: Kitch Acceptance Corp.
State: IN
Product: Credit reporting 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:
I am secondary on a loan for a vehicle from XXXX XXXX in XXXX indiana. Kitch Acceptance corporation is the loan company for the vehicle. The payments are 2 mo behind and on 2 separate occasions kitch acceptance has done a hard inquirary on my credit without consent. Once in XX/XX/2023 and again just a few days ago. This is making neg remarks on the credit ive been working on building up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a claim and they said I would receive a refund check in 20 days Its been 40 days a no refund I called and now they said there is a delay I ask how long is the delay and they said they cant give me a update at this moment

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