BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: TN
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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing a request to investigate accounts that do not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.

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 2020-12-01
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged 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 2020-05-31
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with XXXX  and experian. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2020-12-01
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: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-11-02
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX made a Retail Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/2021 without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Shellpoint Partners, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously submitted claim XXXX, but there is more information that I need to add than what I dictated over the phone. 

I had a mortgage with XXXX. When they went out of business I had no correspondence informing me of who had the mortgage. After calling several companies I stubbed across a tax document and found shellpoint mortgage servicing and called them and found out they held my mortgage. My initial call to them was the XXXX of XXXX. I spoke to a lady in customer service who took a telephone payment for 1 month of mortgage and told me to email XXXX XXXX, not proving a reason why. I emailed him ( email attached ) with no reply. I had charges of over {$9000.00} and legal fees. I did not want to pay any fees that I did not understand. I also had an escrow account set up that I did not authorize. 

I was able to create a shellpoint account and made a 2nd payment the XXXX of XXXX. I also wanted to start direct debits. In XXXX, I noticed I still didn't have a direct debit so I tried to log onto their website on multiple occasions and it didn't work. I called back to Shellpoint customer services on the XXXX of XXXX and made another payment over the phone. 

I called again the XXXX of XXXX because I was still struggling to use the online site, still did not understand the escrow or legal fees and I wanted to pay off some principal on the mortgage. At this point I was informed that my mortgage was in foreclosure which came as a total shock. Prior to Shellpoint picking it up, I held it with no issues since XXXX. 

The only correspondence I received from Shellpoint by mail was a statement dated XX/XX/XXXX. The fees were still not laid out or explained. 
I have since looked at the XXXX reviews and see a lot of other customers have faced the same issues. 

The people I speak to at Shellpoint are always friendly but I am not in a serious issue and feeling very distressed and I have received no real help from them and have no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Navy Federal via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Navy Federal has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/XXXX, Equifax and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After reviewing my most recent Transunion credit report I've notice that the following accounts are in fact inaccurate and therefore in Violation of FCRA rules section 1681. 

Account under the name : XXXX XXXX XXXX Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681 Violations ; Account does not report first date of delinquentcy, a violation of FCRA rules section 1681 Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681

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 2021-02-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Called EXPERIAN various times to complain about mortgage lender not being able to pull experian scores. Was told there is no block on my account and all the information given was correct. Its very frustrating that Im in limbo with tryna move forward and experian cant figure out whats going on with their score model ...

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 2020-09-04
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
New REZ-ShellPoint mortgage continues to state my mortgage is in deferment on all three of my credit reports, since the CaresAct was enacted in XX/XX/2020. This dropped my credit score! 

I have been on time with EVERY monthly morgtage payment since New Rez took over the servicing of my loan in XX/XX/2020. Furthermore, I am not in a deferred payment plan and even if I was, mortgage servicers are not allowed to use this remark on credit card reports. 

I have emailed NEW REZ at least 4 times regarding this matter. I have received an email stating they received my correspondence but they never send me anything after that. 

I have disputed this with all three credit bureaus numerous times. New Rez will not remove the incorrect deferment remark that is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Information belongs to someone else

Complaint:
i have sent documentation to both XXXX  and Experian, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are XXXX  and Experian reporting it as accurate??

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 2022-11-07
Company: EQUIFAX, INC.
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:
My name XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. XXXX This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. Experian should really be sued for this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid for services that I have never received. I reached out to the merchant and they told me that they will give me my money back. They never did. I have proof of the merchant tell me that they would send me my money. I hope you could help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
Midland Credit Management XXXX. XXXX  XXXX XXXX XXXX, California XXXX XXXX : Account XXXX Dear Midland Credit Management, I am writing you about two violations with this account that I would like for it to be immediately removed from the credit bureaus. 

1 ) Statue of limitations this account is over 7 years old 2 ) No written notice prior to you all damaging my credit was sent out to me I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in ( Maryland ) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. 
This letter is your formal notification that I have filed a complaint with Consumer Finance Protection Bureau. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, 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:
I subscribed to Experian Credit Tracker When I attempted to cancel, I was notified that I needed to call a telephone number. No one picks up at that number.

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 2017-09-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XXXX, 2016 an XXXX credit card from Chase was opened in my name.

I was able to close the account but Chase can not or will not provide details about the details of the application. I am concerned that I am being slammed by either Chase or XXXX opening account like the XXXX XXXX issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I WAS enrolled in the REPAYE program, which requires renewal of income and family size information every 12 months. My income and family size changed in XX/XX/XXXX, and I submitted a renewal form in or about XX/XX/XXXX or XX/XX/XXXX requesting a recalculation of my payments under the REPAYE program. By letter dated XX/XX/XXXX, Fedloan Servicing denied my request stating that it was not time for me to recalculate my payment. In XX/XX/XXXX, a notice was posted to my account requesting a renewal form. As stated above, the renewal form had already been submitted to Fedloan Servicing, and none of the information that I reported to Fedloan Servicing changed over the 5 month period. In XX/XX/XXXX, I received a notice that I have been removed from the REPAYE program, that interest is being capitalized, and that as of XX/XX/XXXX I will be required to make payments under the standard payment plan because I did not submit the renewal form. This causes my payments to significantly increase from {$250.00} a month to over {$2000.00}. My renewal form was submitted at the time that the change in income and family size occurred. This information has not changed. Fedloan Servicing has the information that they require for renewal, but they intentionally denied my request and disregarded the information that has been provided to them with the purpose of capitalizing the interest. I have dealt with Fedloan Servicing before regarding this same renewal issue, and going through their internal complaint process gets the borrower absolutely no where. They are not being held accountable for deceptive lending practices. I submitted my updated income and family size information to this company, to be proactive and to keep them abreast of my the changes that have occured, I am penalized for it. This is unfair practices, and they continue to find ways to capitalize on interests and prevent borrowers from paying off their debt.

Company response to consumer: Closed with explanation