BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
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 have inquires on my credit record that was not done by me these are the company 's 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 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 explanation
Consumer complaint received 2023-06-09
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-09
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; US DEPT ED XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2022-10-31
Company: Experian Information Solutions Inc.
State: FL
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-26
Company: Exeter Finance Corp.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
they give me until the XXXX and I found out I don't get the loan until the XXXX and I started a new job and don't get paid for 2 weeks .. they want me to pay XXXX dollars then 2 weeks an9ther XXXX then another 2 weeks a XXXX etc.. the same but I need at least until the XXXX when I get the loan... I was suppose to get the loan on the XXXX but I have orientation on Monday the XXXX I need my car for work can u please help me and get an extension until the XXXX r until my first paycheck then I don't care to pay every 2 weeks at a XXXX until I catch up.. they never even told me they were repossession the car.. no letters and no calls... I'm stuck and need help.. thank u sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I applied for Milestone credit card from the company and did used it. 
My first payment i called and attempted t pay my first build and i advised a milestone agent that i have not gotten a bill mailed to me as of yet. 
They advised that it may take up to two weeks. Proceeding to pay the bill though the phone call the agent asked me for my name. 
I told them. The agent then asked if i had a prefix with my name and i advised i never use a prefix with my name and i did advised that i am a " XXXX '' and that my son is a " XXXX '' So " XXXX " would be accurate The agent then advised incorrect. I was advised that i may have to wait for the bill which i never received. I then created an online bill with Milestone and was successful the first time. My second attempt to pay my next bill was unsuccessful. The online bill pay option was down for a day or two. I then called to attempt to pay and had the same issue. They agent oddly advised me to fax a copy of DL. I did from work which is not allowed but got the ok to do it. I called back to se if they had gotten it and the agent advised it will take two weeks to receive. I then i asked if i could speak to a manager to someone with an English language, They put me on the pone with someone who tried to hide their XXXX accent. 
I then accused the agents of fraud and hung up. I called back the following month to attempt to pay the build. I also advised that i still had not gotten a bill. 
They asked me again to fax a copy of my ID i advised that i had done that twice already and will not do that again. At this time this has become just a repeated cycle going round in circles. I couldn't understand their XXXX accent and grew more frustrated and hung up. I advised them if they can not verity me then how do they know i'm " XXXX XXXX? ' They could not answer that question. They even address me as XXXX XXXX. I responded with, " well at-least you know it's me and lets use XXXX XXXX XXXX and get me set up correctly because obviously this is a mistake on you guy 's end ''. The reply I got back was " i'm sorry XXXX XXXX ''. I then yelled " fraud '' and hung up. I still had not gotten a bill but they call me every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
by the name of ( XXXX XXXX ). 



On XX/XX/XXXX I then called the foreclosure attorney XXXX with XXXX XXXX XXXX XXXX, she stated that after our conversation she received confirmation from her client to proceed with the foreclosure and that she made one attempt to alert me of the foreclosure still moving forward but was not able to reach me and there fore my home was auctioned off with out no other publication and after I received confirmation from both Shellpoint and the attorneys handling the foreclosure.

In addition I am attaching the foreclosure publication documents I received on XX/XX/XXXX showing XXXX XXXX as the prior mortgage servicer named as the foreclosing mortgage servicer on record but as I stated and have attached the Serving transfer letter XXXX XXXX was no longer involved with my home as of XX/XX/XXXX. I believe my home was illegally foreclosed on and that Shellpoint and its investors and Trustees did not have the proper authority to foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never been late for any credit card or anything in my life as a computer generated here I am always been on automatic payment glitching kick me off

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 2023-09-07
Company: Paragon Subrogation Services, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip ] XXXX [ Phone Number ] [ Date ] Fleet Response XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) Subject : Notice of Intent to Pursue Legal Action for Non-Compliance and Erroneous Reporting Dear Sir/Madam, I am writing to express my deep concern regarding inaccuracies in my credit report, which I previously brought to your attention on [ reference the date of the previous dispute letter ]. Despite my efforts to rectify this situation, the inaccuracies remain, indicating a concerning disregard for my rights under federal law. 

The disputed information includes, but is not limited to, the following account names and numbers as they appear on my credit report : The Fair Credit Reporting Act ( FCRA ) entitles me to an accurate credit report, which includes the correction or removal of erroneous, inaccurate, or outdated information in a timely manner. Additionally, the XXXX XXXX Compliance guidelines mandate that you uphold the highest standards of data accuracy. Your continued failure to address the inaccuracies in my report is a clear violation of these guidelines.

I urge you to rectify these inaccuracies within 15 days from the receipt of this letter. Should you fail to do so, I will be compelled to explore all legal avenues available to me, including filing a lawsuit for non-compliance under 15 U.S. Code 1681i. This could result in statutory and actual damages, attorneys fees, and court costs.

I trust that you will handle this matter with the urgency and seriousness it warrants.

I anticipate a swift response and a corrected copy of my credit report within the specified timeframe. Any failure on your part to meet this obligation will leave me with no choice but to seek all remedies available under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: CA
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:
I notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions.

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION.

They are also in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by Congress?? ? These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!

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 2023-12-29
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I asked for paper statement or bill so I could endorse the check or use the remittance coupon to discharge my debt.

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 2023-09-22
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have attempted to dispute the debt via XXXX XXXX, but the options to proceed did NOT adequately provide dispute-specific resolutions, as to why I believe results were not favorable. 

According to the FCRA, my rights have been violated by Hunter Warfield in the following areas : 15 USC 1681 Section 602 ( Right to Privacy ) 15 USC 1681 Sec 604-A ( No agency can report without my original wet signature or written consent ).

15 USC 1692-B ( Acquisition of Location ) Due to the aforementioned violation of rights, according to the FCRA, I'm asking that this debt be removed in compliance with the debt being more than XXXX XXXX XXXX from the original date of collection. NEW LAW PASSED BY CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My previous complaint was closed, but I am still having issues with Shellpoint Mortgage/New Rez. Despite stating IN A LETTER dated XX/XX/2023, that they would honor the agreement made by the previous servicer, they have been slow-dragging the process and stringing me along without adequate communication. Several times I have uploaded COMPLETE loss mitigation packages : in XXXX and XXXX. Nothing happens and I am later told documents expired or they were not legible after calling repeatedly. I even made an appointment to see representatives in person on XX/XX/XXXX I believe when they came to the XXXX area. I went and turned in documents in person and was told they had everything they needed only to find later that someone declared them illegible. Then, without a decision on my packet, the mortgage servicer set an auction date. How is this possible? This appears to be a violation of the Real Estate Settlement Procedures Act ( RESPA ). I received a letter for an auction date of XX/XX/2023, while my loss mitigation packet is PENDING. I am being constantly harassed by vulture investors calling, messaging, and stopping by my home. This is extremely stressful. I really feel they are doing this in a passive-aggressive move to try to force me to conserve selling. I do not believe my mortgage servicer is acting in good faith. I plan to find a foreclosure attorney and sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following personal information is incorrect. 
Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, while logging into my American Express account to review transactions for my Blue Preferred card, I stumbled upon an annual membership fee of {$250.00} charged to my American Express Gold card, a card I had previously considered inactive. At the time, I possessed limited recollection of the Gold card 's details, including its application date and when the membership fee commenced. 
Immediately, I initiated contact with American Express customer support ( XXXX ) to apprise them of my lack of awareness regarding the active membership and to formally request a refund for the charged fees. Despite my persistent efforts, my refund requests were consistently denied. 
A subsequent investigation into the matter revealed that I had applied for the Gold card in XXXX. In XX/XX/XXXX, American Express implemented an increase in the annual membership fee to {$250.00}, as communicated to cardholders through written notices. Cardholders were provided with the option to reject this fee increase by contacting American Express before XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
My personal records, including a to-do list from that period, corroborated my proactive response in XX/XX/XXXX. These records indicated that I had indeed contacted American Express during that time to reject the fee increase and cancel the Gold card membership. Following this action, I never used the card again and thus stopped reviewing its credit card statements. 
In contrast to my understanding and actions, American Express continued to levy the annual membership fees from XXXX to XXXX, accumulating a total of {$1200.00}. These charges were executed through an autopay link originally configured for another active American Express card. 
In response to this situation, I sent American Express a formal letter, detailing the events that had transpired and explicitly conveying my request for a full refund of the {$1200.00} erroneously charged over the course of five years. While American Express did respond to my letter by agreeing to refund the membership fee for the current year, I find American Express 's response to be insufficient and not a complete solution, I am therefore pursuing support from the relevant authorities to ensure a fair resolution to this issue.

Company response to consumer: Closed with explanation