BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Zions Debt Holdings
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was disputed and I provided legal proof that the account was under XXXX XXXX. I also provided proof of ownership in my divorce papers for responsibility and ownership of the XXXX account. The company then removed my name from all claims in 2020 and recently a company named Zion Debt Holdings then put a derogatory collection mark onto my credit report without proof. I am seeking that the party fully removes this account status from my credit and seek the responsible party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: ID
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-04-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up my account so I pay on a bi-weekly basis, and have been doing so since closing on my refi a few years ago. NewRez reps have advised their system is set up correctly, and all appropriate notations have been included to support this bi-weekly approach. Unfortunately, NewRez continues to apply some of my bi-weekly payments as additional principle payments, so my account goes into a delinquent status often. I've called a few times, had my account corrected and received reassurances that the problem is resolved. I suspect it's a systemic issue, as the folks that I've talked to in the call center have all appeared to be knowledgeable on what happened ( ie they located the issue quickly ) and have all taken steps to resolve.

This morning 's alert that my FICO dropped 141 points was the tipping point for me. I logged into my NewRez account, and it once again shows I'm delinquent. This is the worst experience I have ever had with a mortgage account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Mercedes Benz Financial Services
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: Public record information inaccurate

Complaint:
I returned a Mercedes XXXX XXXX  vehicle in pristine condition. They sent me a letter with a disposition fee ( I agreed to pay ), excess mileage of {$90.00} ( I agreed to pay ) and {$690.00} for tires which I did NOT agree to pay as I did not agree with their assessment. Furthermore, the pictures in the report I uploaded side with me that those tires were in good condition. I leased this car at XXXX miles, which means these tires were already used. They want me to replace the tires for them so they can bang more buck out of this. Then, they proceeded to report the {$1400.00} amount on my credit trying to ruin a XXXX credit score when this is illegal. They can not assess fees without an agreement outside of the contract. Contract allows them to charge disposition fee of {$690.00} + XXXX = {$780.00}. They can not unilaterally put stuff on my credit leaving me with no choice but to pay or ruin my credit when they are breaking the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent you a letter last XX/XX/2022 but i haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-10-05
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:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX  Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt cbllector may not communicate with a consumer in connection with the collection of any debt I demand this account be deleted from 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 2022-08-27
Company: Exeter Finance Corp.
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 XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A few years ago, I was advised to prevent foreclosure, I had to accept a loan modification. I was advised there were no other options available. 
I have recently discovered that the modification added a {$50000.00} balloon payment to my loan. 
I was never made aware of this additional balloon payment. 
I filed chapter XXXX and completed the repayment program as designed During the bankruptcy, my loan was transferred to a different company. 
When I asked about the additional {$50000.00} added to my loan, I was informed that all they had was one page signed by me for the modification. 
I asked them to review that and please remove it as I was never informed or was I behind {$50000.00} in my mortgage. That was denied as they only took my loan from the previous company and will not review it. 
I am also not being provided any information that my bankruptcy payments were applied correctly. 
I feel that I was deceived by the mortgage company and was not made aware of these predatory lending practices I also feel I was taken advantage of and mislead because I am a single female.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-04
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: Account status incorrect

Complaint:
Experian credit company reported incorrect negative information about my credit to XXXX XXXX when I applied for an XXXX credit card, causing XXXX to deny my application for a card. 

Early XXXX, 2022 : I Apply for XXXX credit card XX/XX/2022 : XXXX denies credit card citing negative report from Experian due to negative comment from XXXX XXXX XXXX XXXX Approx XX/XX/2022 : I Call both XXXX and Experian and complain that my credit file DOES NOT contain any negative info, and I have never done business with XXXX XXXX XXXX XXXX I report that someone has made a serious error. All my entreaties to both companies to correct the misinformation are ignored. 
XX/XX/2022 : I write to both Experian ( via letter ) and XXXX ( via email ) repeating my claim that the negative reporting about me is incorrect. XXXX ignores my email, Experian sends me a copy of my outstanding credit report ( XXXX + ) and ignores my request to fix the error in their reporting. 
XX/XX/2022 : I send 2nd letter to Experian ( copy attached ) demanding that they correct the misinformation that they have reported about 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 2020-12-12
Company: Experian Information Solutions Inc.
State: KY
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:
I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.

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 2023-08-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I sent this company a settlement letter and they agreed to the terms and condition by cashing the cashiers check. Now they will not remove the items off my 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 2018-04-10
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOUTHWEST CREDIT SYSTEMS , L.P . 
Last reported : XX/XX/2018 {$740.00} For some reason South West is trying to charge me {$740.00} i do not own a south west credit card and i have paid for each one of my tickets online with the use of a Debit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX- {$1500.00} XXXX XXXX- {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: GA
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:
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - Equifax, XXXX, XXXX  XXXX XXXX - XXXX  These accounts are reporting due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. 

I also received court documents in the mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Neither Spring Oaks Capital or XXXX, XXXX, XXXX XXXX XXXX XXXX has any rights to collect debt or harrass people in the state of Georgia. 

Spring Oaks nor the law company has licenses to collect a debt in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has reported a derogatory item on my credit reports. The claim I owe them {$2900.00} on an account that I have no knowledge of. I never had service or an account with this company. I disputed this account with the credit bureaus and they refuse to take it off of my report ... .claiming that it met the FCRA requirements. This is not true. I reached out to XXXX With a complaint and they said that they have no record of me at all in their system. Yet the credit bureaus continue to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I  had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : TransUnion 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 2023-07-17
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from CashNetUSA as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.

Company response to consumer: Closed with explanation