BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor is exeter finance which the debt was in the amount of {$10000.00} on a car loan. exeter has reported my debt as a charge off and i never recieve a 1099-c form. After exeter put my debt as a charge off They sent my debt to XXXX management and they are illegally coming after me for a debt that been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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:
My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXX bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted XXXX XXXX to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not XXXX according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted XXXX according to XXXX XXXX  Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only XXXX months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made a late payment on these accounts , please correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: MO
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 without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX. 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 XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX paid {$78000.00} for flood claim from XX/XX/2023. The Check was cashed by XXXX XXXX mortage company. on XX/XX/XXXX my mortgage was sold to NewRez. NewRez notified me they do not have the funds. I called XXXX and they sent me copy of cashed check. Check was cashed by XXXX XXXX. I got rep from XXXX XXXX on a XXXX way recorded line with rep of New Rez and then miraculously the money was there. NewRez received the funds XX/XX/2023 XXXX said he would have a check overnighted on Friday XX/XX/XXXX. Called XXXX  just to make sure and XXXX confirmed. No check arrived. Called NewRez XXXX morning and they said they don't have the funds. I have made a call many times each call over an hour long. They won't let you talk to a manager nor give you a number to their corporate office which they keep referring to. My last call today was almost a full XXXX hours and the same lies back and forth. we are old and sick and just want to repair our house and get home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The reason i am behind on my mortgage is because I have tried twice unsuccessfully to get my loan modified because my interest rate was at 6 % which was and is high compared to current and 10 year rates. 

each time during the modification process I was advised on the phone by my assigned representative ( XXXX XXXX XXXX Not to make my Mortgage payment because I was in a Active Modification. 

The last time I was in the process of applying for a modification XXXX-XX/XX/XXXX9 I  continued to make my payments and forwarded all the requested documents to Mr XXXX. i did not hear back from him for a couple weeks.I decided to call and check with him. He replied he never received the documents my email showed that they did. 
i told him I would re send them. I waited a couple days after not hearing from him. 
I called him back spoke with him told him I was putting my check in the mail he replied no don't send it we have a sell date. 
i am under the impression that Selene Finanace is practicing bad Loan servicing Practices. whenever I try contacting them with an issue I am shuffled between 2 and 3 departments and none knows what the other is doing or has done and it becomes a shell game. 

I have been paying on this Loan for 10+ years and none of my money is going to principal which i consider to be predatory Loan Practices. 

I do not believe Mr XXXX ever presented my Loan To the investor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
These accounts are in violation of15 U.S. Code 1681A. The investigation took more than 30 days XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This past year I applied and was approved for a mortgage loan XX/XX/2022. After being approved and almost immediately after closing on our new home, I have been inundated with spam phone calls and credit offers. Just yesterday I received 15 spam calls in a less than 3 hour period. It's getting disruptive to my work and distracting in my driving. I'm guessing most likely it was the credit reporting agencies shared and or sold my information after being approved for my mortgage. Sharing my information was never disclosed to me for me to agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-08-22
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened dispute claim # XXXX with Robinhood. After not being able to initiate it in the app, I had to wait 30+ minutes to speak to a representative and more time on hold. Representative XXXX informed me the dispute was not yet opened and I will have to wait for someone from the disputes department to reach out and start the process. As my bank, Robinhood is obligated to promptly open a dispute and start the investigation, which they have not done. They are also obligated to provide a temporary credit within 10 business days of the reported error under Regulation E.

Robinhood needs to open my dispute ASAP and apply credits to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have opened US Bank credit card back in XX/XX/2022 as to receive XXXX enroll bonus to XXXX XXXX XXXX. They honored that we will get XXXX bonus miles when we spend {$3000.00} with in 3 months from the date of credit card activated. 
I did spend {$3000.00} with in 3 months and US Bank did not issued XXXX bonus miles.

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 2020-01-08
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:
I don't recognize this accounts, i'm not responsible for it. I believe that somebody used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called at least twice a day from portfolio recovery. They call from a different phone number each time they have called. I have asked them to stop on multiple occasions. The phone calls started XXXX of 2018 and have continued right to this day. Sunday- Saturday they never stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: BARCLAYS BANK DELAWARE
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:
My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " BRCLYSBANKDE '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and XXXX and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the 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 2023-10-14
Company: Experian Information Solutions Inc.
State: TX
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 am submitting a complaint to you once more to inform you again that I was the victim of identity theft. I have already filed a complaint at https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-01-08
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-08-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a victim of fraud resulting in police reports fraud and home invasion robbery I am requesting to have this account deleted off my credit report thanx much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
MIDLAND CREDIT MANAGMENT has made claims that i have mistaken what a charge off is, a charge off is considered income to the IRS, associated with 1099c tax form which gets filed, A consumer report can not contain income therefore it would be a violation of federal law to report income on a credit report as it would not be accurate. additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature. CONSUMER IS NOT REQUESTING ACCOUNT MONTHLY STATEMENTS. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15USC 1681g

Company response to consumer: Closed with explanation