BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: PA
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:
Experian removed XXXX XXXX XXXX from my report in XXXX for identity theft now its o back on my report as of today XX/XX/XXXX From the original creditor XXXX. They removed it and placed it back on my consumer 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 2021-06-28
Company: Key 2 Recovery, Inc.
State: IN
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 disputed key 2 recovery ( Indiana XXXX ) with XXXX XXXX on my credit report that was discharged as part of my bankruptcy. I provided court documentation to XXXX after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To much fees for to the bank

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed   now.with no help.

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 2021-06-28
Company: Experian Information Solutions Inc.
State: IL
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/XXXX, there were two inquiries on my account. One was from XXXX and the other XXXX XXXX XXXX. Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. XXXX XXXX XXXX - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. XXXX reported to Experian that the information is accurate. This is the information on the Experian website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at XXXX XXXX XXXX, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to Experian. I opened a new dispute with Experian. I mailed copies of both the police report and the XXXX letter because for some reason the Experian website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 2019-06-21
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told i owe XXXX over medical bills that are not my responsibility at all. they claim i did it when i was underage around 16 years old now im XXXX trying to buy my first car and this is affecting my credit horribly how can they confuse this with me when i wasnt even legal ( 18 ) or know what its for. ni have two medical bills that i was never involved or responsible for the only thing that should be there is my XXXX XXXX and XXXX XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On or about XX/XX/2021, I called NMAC and was told third-party dealers were allowed to buy out leases. I attempted to sell my leased car to XXXX, but was told Nissan no longer allows third-party buyouts. 

Nissan has historically allowed other dealers to buy out leases, but has instituted a new policy and essentially changed the terms of my lease. It was allowed at the time of my lease, and are now taking advantage of the pandemic to strongarm leaseholders into car dealers to accept lower values than the market would allow otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am writing to request legal action against Shellpoint Mortgage Servicing for their unlawful and discriminatory practices regarding force-placed insurance. Force-placed insurance is a type of insurance that lenders can purchase on behalf of borrowers who fail to maintain adequate coverage on their property. However, I have proof that I have maintained sufficient insurance coverage on my property located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX since XXXX 

Despite providing the required documentation for each insurance policy for my property, Shellpoint has repeatedly ignored my evidence and phone calls from my insurance agent, XXXX XXXX of The XXXX XXXX. Shellpoint has continued to charge me for their own lender-placed insurance policy, which is much more expensive and provides less coverage than my own policy. This is a violation of federal and state laws, such as the Real Estate Settlement Procedures Act ( RESPA ), the Consumer Financial Protection Act ( CFPA ), and the Florida Insurance Code. 

I am not the only victim of Shellpoint 's abusive and fraudulent behavior. Many other customers of Shellpoint have reported similar experiences of harassment and discrimination. Shellpoint 's actions have caused me and others financial harm, emotional distress, and loss of dignity. 

I urge you to sue Shellpoint on my behalf and on behalf of other customers who have suffered from their illegal and unethical conduct. I have attached copies of my insurance policies, payment receipts, and correspondence with Shellpoint as evidence of their wrongdoing since they start servicing our loan. I hope you can help me and others get justice and compensation for the damages we have endured. 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a company ( XXXX ) come to my home to perform a service that was not fulfilled. I paid {$100.00} for the services that day and that service was not fulfilled either but I paid. I disputed the cancellation charge for any further services stating that this company broke their agreement when they clearly broke their terms. I won the dispute and Citi Bank Visa refunded my money. The cleaning company then went into my credit card and took another {$250.00}. I have changed my card numbers 3 times, put a block on, a privacy onI have done everything I can to prevent this company from breaking into my account and I keep being assured they wont break in but they do. This last time, very cleverly, they first took {$45.00} when they realized they could get in my credit card again they took an additional {$250.00} more. I feel CitiBank Visa is not protecting me and my money from these people. I can not cancel the card because I would lose {$280.00} in Costco money/ points if I cancel before XXXX. I am on a fixed income and the reason I hired this company was I was having my husbands memorial service at my home and needed their servicehuge mistake! Thank you for your time.

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 2019-07-24
Company: EQUIFAX, INC.
State: WA
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:
Equifax On XX/XX/2019 my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats XXXX points negative. 
When I called Equifax I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to equifax I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of equifax if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like Equifax cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, XXXX and Trans Union state otherwise. The reports were altered for what they wanted me to see. all positive reporting!

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 2021-06-28
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE AT 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 2019-06-21
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent CCI a letter asking for debt validation 2 months ago and did not receive a response. I then sent an additional letter asking for debt validation and I received a notice back just stating what I owe and a breakdown of a bill. I did not receive a letter or statement with my signature on it creating the debt even though that is what I requested. Two weeks later I received a letter stating that they do not handle the XXXX XXXX account anymore and that I need to reach out to XXXX XXXX! Even though they are reporting on my credit that I owe a debt to them! I sent a letter politely asking for them to remove their remarks with all 3 credit bureaus since I no longer owe them a debt and because they cane verify that I owe them a debt. I have not heard back from them regarding this matter and according to the Fair Credit Reporting Act I am well within my legal rights to request validation and if it can not be provided to me than they must stop reporting this debt the the credit bureaus. This collection agency is preventing me and my family from buying a home and living a comfortable life which I do not see is fair!

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 2018-10-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services purchased my HELOC from XXXX XXXX. I have received no statement from Rushmore, and they have put me into collections. I do not know how much I owe. After talking to them yesterday XX/XX/XXXX, they told me I would not owe penalty interest or late fees. Today, they are calling me accusing me of not paying, and telling me that I am in collections. They also claim that statements are " optional, '' and not required for debts owed. They have been and continue to be rude and treat me like a debtor. They also continue to call my wife, who is not on the loan, even though she has provided them other phone numbers. Additionally, they did not verify my identity prior to attempting a debt ( although I did not know what my payment was ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ insert a derogatory condition here, such as this account was charged off for {$4100.00} in XXXX 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Sectio

n 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent
Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 called the XXXX and TransUnion credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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