BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
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:
XXXX  and XXXX XXXX  are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX  account was fraudulently opened in my name. ive been trying to reach XXXX  via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!

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 2022-05-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested help with Shellpoint mortgage 2 years ago. After they would not give me credit for {$13000.00} that was not applied when they purchased my loan from XXXX in XX/XX/XXXX. I was first told by XXXX XXXX to stop paying my mortgage until they applied my monies from the transfer fund. I now know that should not have happened, but she works for Shellpoint, so she should never had said that to me.i have had 3 modification offers but in each on the {$13000.00}. was never added to the modifications. 

In XX/XX/XXXX, I was given a trial modification, after Shellpoint put my house up for foreclosure, until I wrote a letter and spoke with XXXX XXXX who was later fired from the company. Put me in the trial modification from XX/XX/XXXX to XX/XX/XXXX. Every-time I made a payment the customer service representative would say I don't have to pay. But I paid anyway. Once I was complete I was told that I would be given a modification that was correct. I was called by XXXX stating that I owed another payment in XX/XX/XXXX and the modification was sent again in XX/XX/XXXX incorrect. Payments still being applied in XX/XX/XXXX.. 

In XX/XX/XXXX I was ask to send in my bank statements and income to start a modification again. I sent in my end of the year pay check, {$53000.00}. I was told that I did not make enough. I was told by XXXX that I only make {$2100.00} a month and that was not enough for a modification. The underwriter calculation was off, so I fax, mailed and XXXX XXXX my income. 

I was called in XX/XX/XXXX, to have a inside appraisal done, it was complete and posted on my ledger XX/XX/XXXX. I called XX/XX/XXXX and was told that I was approved for the modification and the underwriter was waiting on approval from the owner of the loan. XXXX XXXX. XX/XX/XXXX, i received a letter that stated XXXX XXXX disapproved the workout, and would not approve the modification.That I can sell my home or give it back to the Owner. 

My home appraisal was {$260000.00} and could be sold for {$250000.00} in 30 days. Shellpoint says I owed {$220000.00} and that i am in the arrears of {$29000.00}. Because I am not upside down on my loan and there is equity in my home the owner and Shellpoint is denying and have drag out for years and months a lot of simple mistakes and causing me to be further behind on my loan to take my home. I have emailed the CFO XXXX XXXX XXXX and asked for help. No response. Please look in to this situation for me and give me some advice on my next step. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Simpson Law Firm, P.A.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The information they provided is false and misleading. XX/XX/ I went to court regarding a debt with XXXX XXXX company in XXXX, XXXX Due to my bad health and extreme hardship the judge asked the plaintiff to step outside and work out a payment arrangement. We did. I agreed to pay {$100.00} a month and they accepted and would contact me on how to make the payments. Soon afterwards, I received a letter of judgement stating that I didnt come to court and they were awarded a judgment. I contacted the law firm and we argued back and forth until they agreed there was an error and they set the judgment aside. I then began making the {$100.00} payments on XX/XX/ by money order. After XXXX payments, I called them to get my payoff and they could not find any record of my payments. I stopped making payments until they did their research to find my payments. 
They tried to garnish my wages. There is a 7 year limit to collect debts in Mississippi. They have falsified dates and amounts just to extort money. I can prove all the dates because I still have my XXXX XXXX XXXX original paperwork that they probably didnt expect. 
They are not a member of the XXXX and their reviews and complaints are quite similar to mine. They are trying to attach this judgement to my workers compensation case that I will be settling soon. Please help me prevent this injustice.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!

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 2020-02-23
Company: EQUIFAX, 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 have attempted to contact Equifax multiple times and requested that the fraudulent accounts mentioned be removed. I have provided all the documentation required by the Fair Credit Act, as well as Equifax to have the right for them to remove the fraud accounts. I have provided a current XXXX XXXX Police Report that states both fraudulent accounts as well as the Federal Trade Commission Affidavit and the Federal Trade Commission File Report. Equifax has received this information and refused to remove the accounts as requested. Equifax is reporting fraudulent information to my credit report and I am requesting that the fraud accounts be removed. The two accounts that are fraudulent are, XXXX  XXXX XXXX XXXX // with the balance of {$9900.00} // Opened on XX/XX/2019 and XXXX XXXX  // with the balance of {$730.00} // Opened on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX 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

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 2020-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid 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 was doing a transaction on an individual who was going to provide me services to get my taxes done. However, he flaked out when it was time to get it done. He lied about it being refunded saying XXXX will take care of it but XXXX never did. So Im short XXXX dollars from this situation. I contacted XXXX and made a dispute and it was both denied. I been with both for many years. It all started on XX/XX/XXXX. I spoke with the lady at Bank of America on XX/XX/XXXX and she did nothing to handle my 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 2023-09-27
Company: Experian Information Solutions Inc.
State: NY
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:
My name is 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 2021-05-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS XXXX XXXX. I cerify that i am the natural person XXXX XXXX so i shall be addressed as such. therefore i demand that you recognize me as the authorized representative and only me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY helping me so LET THAT BE CLEAR. I am a victim of Identity Theft & fraud. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. BloXXXX and remove them. if I consented to these inquiries, please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist.

I demand that the following account be verified or removed immediately : 1. FDCPA SECTION 807 Violation Misleading False Reporting I did not authorize this Inquiry XXXX/XXXX  Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.

2. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

3. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

4. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT MIDLAND CREDIT MANAGEM Status Date : XX/XX/XXXX As a Consumer by law this account must be deleted. 





XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: WA
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:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. 

Equifax data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on it's data file and removed. They also initiated several disputes trying to communicate to Equifax, yet Equifax failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Equifax is literally ignoring the information forwarded by it's only data furnisher. Equifax uses NO other data furnisher, and it clearly states that on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian won't cancel a subscription I was unaware I was signed up for charging me XXXX dollars a month I can't even look at my report cause it wants me to update my billing I never signed up for any monitoring services o thought it was free and I keep trying to add my fraud alert and I can't get it fixed by company

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 2022-12-30
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: Account information incorrect

Complaint:
I write to complain about XXXX XXXX XXXX  credit card for willful and wanton violations if the FCRA for failing to report updated data to Equifax since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My Equifax attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and Equifax. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my Comenity account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be excused and removed because according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: CO
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:
Information was reported wrong on my credit report causing issues. The report is mislead on information regarding previous address, XXXX worked for, and where I lived. I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX before the change to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX 

I had lived in XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I took out a private student loan in XX/XX/XXXX with a company called XXXX XXXX XXXX, which I paid back in full by XX/XX/XXXX. For whatever reason the company incorrectly reported my XX/XX/XXXX payment as being late to all three credit bureaus. I disputed the late payment to the company as well as XXXX, TransUnion and XXXX. The company never sent me any kind of paperwork validating the accuracy of the debt. However, both XXXX  and XXXX  immediately removed the inaccurate information from my report. TransUnion somehow " verified '' the information as accurate and there have been multiple disputes since and it always comes back as verified. I have asked TransUnion for the documentation they obtained in their investigation in accordance with FCRA 609, but all they provide me with the word " verified ''. I believe TransUnion has violated my rights as a true investigation would have proved that this information was 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 2018-12-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im having issues with XXXX  because they did not report my dispute correctly/timely for a charge I did not authorize. I was contacted last week by XXXX who advised the account is in dispute with MasterCard. I said a payment is about to be due and I wasnt trying to have collection calls over this one charge and finance charges. She confirmed I would not be receiving collection calls. 

I have received the following excessive calls from their collections department which is against the Fair Debt Collections Practices Act : XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  Text message from XXXX sent and received at XXXX XXXX today XX/XX/XXXX as well as a call at XXXX XXXX. 

The calls are harassing and the account is not even supposed to be showing delinquent.

Company response to consumer: Closed with non-monetary relief