BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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.

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 inructions 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 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 2018-01-15
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX ACCOUNT IS STILL REFLECTING OPEN AND COLLECTION ATTEMPTS MADE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 filed XXXX on XXXX. Case number XXXX. I have 8 accounts on all 3 credit bureaus that are reporting 90 day late. I was never late on any account, before filing. Accounts are the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are all reporting 90 days late on XX/XX/2023. These are incorrect, and need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response a letter dated XX/XX/2018 from Radius Global Solutions LLC claiming I owe them {$11000.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Radius Global Solutions LLC this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a mortgage on a condo in XXXX XXXX, FL. The mortgage company approved my mortgage with the flood insurnace the HOA has implemented. I received a notice in XXXX that forced placed flood insurance will be added. I had tried to work with ShellPoint Mortgage to get them the needed information and it was very hard to get anyone to help me. Finally in XXXX I connected with someone found out the issue. I got my own policy put in place in XXXX but there was a 30 day wait until the policy was in affect. XX/XX/XXXX it was effective. During that 30 day wait time I was able to upload the proof of insurance to their site, email to their service email and get it to two agents via email. The forced placed insurance is still on the payment. I havent been able to get anyone at ShellPoint to tell me when it will be removed, what the payment will be and what will be prorated and removed. At this point, I cant continue to pay this higher payment and am afraid I will not be able to make the payment and will lose the condo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus XXXX, XXXX, AND EQUIFAX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Continental Finance Company, LLC
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these addresses i have no knowledge of theses addresses...

These accounts and wrong addresses have 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, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...

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 2018-10-30
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response a letter dated XX/XX/2018 from Resurgent Capital Services claiming I owe them {$970.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Resurgent Capital Services this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Synovus Bank
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... 
XXXX XXXX opened XX/XX/XXXX there address is XXXX XXXX XXXX XXXX XXXX, Nv XXXX amount is XXXX I have no knowledge of this account.. 
First Progress : there address is XXXX XXXX XXXX XXXX, Ga XXXX opened XX/XX/XXXX amount XXXX I have no knowledge of this account.. 
XXXX XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX opened XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX opened XX/XX/XXXX I have no knowledge of this account XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX also there are several wrong addresses that are listed, my address is currently XXXX XXXX XXXX XXXX XXXX Ga XXXX wrong addresses that are still listed and reporting are : XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX please remove these addresses i have no knowledge of theses addresses... 

These accounts and wrong addresses have 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, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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 information incorrect

Complaint:
I have disputed this account three times with Experian and they have came back and stated the information was accurate. I requested information from the creditor and although I did not receive the proper validation, I did receive a statement that shows a different amount owed other than what's being reported.

I have informed Experian that the information is inaccurate and have violated the FCRA because they have failed to correctly verify and remove the account.

XXXX XXXX XXXX  with original creditor XXXX XXXX XXXX reporting as {$5300.00} when the statement received from them states {$3700.00}. 

I did attach the statement given to me for their viewing.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Trans Union LLC. 

I had previously disputed account data and account status to you. The account listed as XXXX. XXXX are closed with XXXX balance. I had sent you a dispute and the results of he dispute are inaccurate. You are responsible for the inaccuracies reported and any negative balance details associated with your errors and negligence. You are responsible for verifying the account information and reporting the account status. If the account information, balance and account status continues to be reported inaccurate I will contact an attorney and proceed with an FCFRA lawsuit against Trans Union for willful non-compliance. 

You are responsible to verify the account information with XXXX XXXX XXXX. 

1. Account closedXXXX XXXX balance 2. Account balances Please correct the inaccurate information 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-10-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 I had a phone conversation with the supervisor at Wells Fargo Mediation by the name of XXXX XXXX I informed her during this phone conversation that I had contacted the county of XXXX where I live in Oregon ( aging and XXXX in XXXX office ) about deferring my taxes due to my age over XXXX XXXX. I informed her that they told me I could do this and she told me she had worked with the customer regarding this before. Now I am told today in an email from XXXX XXXX That they reimburse my taxes Which is not what I even asked. The county will differ them Im tired of explaining it over and over again. They just dont want to help they want my home instead. Manipulation cruel bureaucracy and continued discrimination because of my age and mental health XXXX. Im asking them not to pay the taxes so the county will step in and defer them for me. They are doing this in my opinion to take my home. I was told by a county representative at XXXX County Oregon aging and XXXX his name is XXXX that this can be done if Wells Fargo doesnt pay the payment. I have been asking now for almost 2 weeks. As of today the payment had not been made but it will be in a couple days now. 

This to me is unfair and this is just another way that they have manipulated me. I have worked on a spreadsheet now showing the payments and The escrow overage is in shortages where they have short paid and overpaid in error that they wont provide documentation. 

I am trying to send it to you as well but its difficult to explain Ive got the numbers worked out but I need someone to help me and I cant find anybody without spending {$400.00} an hour. If I could spend {$400.00} an hour I wouldnt be in the situation I am in. I need help they have broken the law they have committed fraud in my payments using my escrow account as a way to manipulate the system. 


Another complaint will follow soon but I want my taxes deferred Per my right of my age and the county of XXXX and Oregon State

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 2020-06-13
Company: EQUIFAX, INC.
State: NJ
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:
THIS IS IN RESPONSE TO EQUIFAX RESPONSE FOR COMPLAINT # XXXX. MY COMPLAINT WAS CLEAR DOCUMENTS I SUBMITTED WERE CLEAR. AND DELETION OF OF ACCOUNT THAT IS REPORTING 3 DIFFERENT REPORTINGS TO 3 DIFFERENT BUREAU. THAT IS CONSIDERED INACCURATE AND FALSE REPORTING. SO AGAIN MY COMPLAINT IS YOU HAVE NOT DONE A PROPER INVESTIGATION BECAUSE THE FACTS BEAR OUT THAT THE ACCOUNT IS BEING REPORTED DIFFERENTLY BY THE FURNISHER 3 DIFFERENT WAYS. IT'S SIMPLE AND CLEAR THAT IT CAN NOT BE ACCURATE THEREFORE IT MUST BE DELETED AND THAT WAS NOT DONE. SO MY COMPLAINTS READS AGAIN AS FOLLOWS. On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX  - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX- {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-XXXX, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: OneMain Finance Corporation
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bankruptcy filed XX/XX/2019 discharge XXXX XXXX.since then i constantly have to dispute what was in my bankruptcy it never went away an ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2023 I discovered an incorrect item on my Experian credit report saying I had a credit card balance with XXXX XXXX of {$7100.00}. I called XXXX XXXX and spoke to people from at least three different departments who all confirmed I had no such balance. I filed a dispute with Experian and explained in the dispute I had already confirmed with XXXX XXXX they didnt report this information to Experian. On XX/XX/2023 I received notice from Experian that the dispute was closed and XXXX XXXX confirmed the balance was accurate, which is a lie and obviously nobody did anything to actually investigate the dispute.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-11-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried contacting New Rez Morgage who we have been with several years. I found out through family members we could refinance now under a government program because we owed less than {$300000.00}. We currently owe {$230000.00}. I tried contacting this comapany on website, email and phone call and it was nearly impossible to get a response. Finally, XXXX XXXX reached out to me and I asked if we could apply to refinance to get a lower interest rate & payment. He said, Yes. I also asked if we could get a deferrment of payments or a lower payment during this process because our income had been cut {$1000.00} monthly due to the COVID-19 pandemic. He said we couldn't do both???? and we began this long process of refinance. We have always paid our morgage on time, never have filed bankruptcy, and have fair to good credit. We want to know why this is taking so long as we continue to pay way more than we should be for our payment!

Company response to consumer: Closed with explanation