BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-09-30
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:
I want the company to remove the fraudulent inquiries in 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 2022-05-19
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: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian, XXXX and XXXX credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX Balance : {$8200.00}

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 2022-05-19
Company: Waypoint Resource Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX ( Original Creditor ) account was placed in collections for {$93.00}. 
The debt collector is WAYPOINT RESOURCE GROUP. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: MO
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management , IncXXXX is attempting to collect multiple debts with my name attached but Midland Credit Management , Inc. is not licensed in the state of Florida to act as a debt collection agency. Not to mention they call my mobile and office phone continuously even after I have stated, verbally, " Please cease and desist all calls and contact with me, immediately ''. I even attended a voluntary mediation on XX/XX/2022 and spoke to the representation about this collection account. I am having it removed from my three credit bureau currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have a bankruptcy that was discharged in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that XXXX XXXX with XXXXXXXX XXXX  XXXX put a lien ( XXXX ) on my home for a debt for a Midland credit card dated XX/XX/XXXX. This debt was included in my bankruptcy. 

In the letter, I gave them this information and request for them to remove the lien. 

I sent the same notice 4 times on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Rent Recovery Solutions
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: Personal information incorrect

Complaint:
This is a wrong information I dont know this company I never leave here my ex partner was living in this apparent complex. Not my information Original Lender XXXX XXXX XXXX Account Type Not Reported Responsibility Joint Age Of Account 1 Years, 3 Months Credit Limit Not Reported Highest Balance {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Shellpoint Mortgage Servicing is improperly applying payments to our loan. And, they have not reported payments in over 6 months to the credit burro. Our credit score has dropped significantly! We have been declined credit due to this issue. I have tried clearing this matter for the past 2 months now. Shellpoint has yet to fix the issue, nor they have not bothered to out to me. I respectfully request a response - this has gone on long enough. And, we are suffering from their negligence!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account Number : XXXX XXXX XXXX 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 2019-01-08
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I  filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by 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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a soon to be father looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX, XXXX, XXXX, XXXX, 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. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.

Company response to consumer: In progress
Consumer complaint received 2023-07-03
Company: Evergreen Moneysource Mortgage Company
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Evergreen Home Loans ( EHL ) required me to submit payments as money orders for a series of months, so I have been submitting payments using USPS money orders and Priority Mail Tracking. The XXXX payment was mailed on XX/XX/XXXX and was delivered to EHL 's po box on XX/XX/XXXX, but they lost my payment and proceeded to send me delinquent account notices and assessed a late fee. I have been in contact with them by phone for about 2 weeks since receiving the delinquency notice and they were given both the USPS tracking number and the money order numbers ; they told me they would call me when their cash department located my payment, yet haven't followed through on their own 72 hour timeline twice now. Today, I was told if I submit my XXXX payment they will only use it to cover the XXXX payment that should've already been applied to my account. This XXXX payment included extra money to the principal and was a total of over {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a home that Shellpoint Morgatge services. On XXXX of 2021 I got a call from my neighbor telling me that there was a person trespassing on my property, at the time I was away from my property in XXXX and it would take me at least 2 hours to get back to my home. My neighbor called me and there was two people replacing my locks on the front door and installing a lockbox on my home. These people went inside my home and placed stickers on all my windows, I asked them on speaker home to please leave and not enter my property and they assured me they had been sent from Shellpoint mortgage to secure the property because it was vacant and I was delinquent on my monthly payment. I explained my home was not vacant, the A/C was on there is water and the lights are on, in addition I was not delinquent on my payment. I called shellpoint mortgage and they explained this had been a mistake that they would send XXXX their 3rd party contractor to put my lock back and to remove the lock box. It has now been a month and I have not accessed my home, they have not put my locks back, they have not removed the lock box. Every time I call they tell me We are waiting on the Third party. I have been out of my home for the last month and all over a mistake that Shellpoint made, they have done nothing to resolve this, how is it possible that a mortgage company can block entrance to a family 's home? how is it possible that I have been locked out of my home for a month now with no way in, they send a third party to trespass into my property and remove my lock, that is stealing something I own, on my property. I am making a monthly payment on my house that I can not enter due to Shellpoint mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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: 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 items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: PRESTIGE FINANCIAL SERVICES 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: Investigation took more than 30 days

Complaint:
This company is refusing to tell the truth. I started a complaint in year XXXX and Prestige Financial did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which Prestige was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. 

Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

I will hire a lawyer for which I do have credit reports that clearly shows that Prestige Financial did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} balance

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 2018-11-09
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HI & HOW ARE YOU DOING? I'm perplexed about the way this collection account is reporting with multiple variations among all the 3 credit bureaus. Several Errors and violations the way it's reporting, such as the date of last activity, date opened, balance, etc. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have written as suggested by the CPFB to 2 different lenders revoking my ach authorization. As suggested I went to my bank, Bank of America, with copies of my revocations more than 3 business days in advance to notify them that I had revoked my authorization and they would not even acknowledge the correspondence. In fact they acted as if they never heard of Reg E, would not place a block on any or all debits from my account and said if something happens I can file a dispute then. The branch rep went so far as to say " we have washed are hands of these things, and leave it up to the consumer to figure out. ''

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 monetary relief