BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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 the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago on XX/XX/2021 and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. All proper indentification is enclosed and if you reject this agian I will sue you in court for non compliance, this is such a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
debt collector, scam call, calling family members and employer. said he was with 5/3 collecting debit, but had no information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, on XX/XX/XXXX I submitted CFBP complaint ID XXXX for an unauthorized payment made by Wells Fargo Mortgage to XXXX XXXX XXXX on XX/XX/XXXX for a balance that had been paid in full two months prior in XX/XX/XXXX based on out of date information. Since the initial complaint Wells Fargo has postponed the resolution date twice and I just received another notice indicating the resolution date is being extended again until XX/XX/XXXX. I feel this is a completely unnecessary delay for such a simple matter. I have already provided the documentation that verifies the payment was made in full two months prior to their payment and the associated account has been current since the payment in XX/XX/XXXX was made. When I spoke to the Wells Fargo case manager she had indicated that an investigation had been done and the findings were that the balance on the account was still outstanding at the time of their payment which has been documented and confirmed not true. Can we please have the issue resolved and have them facilitate the refund of their funds from my account as soon as possible without any Duty to myself.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-04-18
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
TO : Whom it May Concern RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX XXXX XXXX. XXXX  XXXX XXXX, MI XXXX P. ( XXXX ) F. ( XXXX ) On XX/XX/XXXX I received a letter from the Michigan Department of Treasury informing me that my State of Michigan tax refund is being garnished. This comes as a complete surprise to me since I was not aware of any legal action against me regarding this issue. Nor was I served either by mail or in person, I believe that to get this far in the legal process it takes 4 or 5 different filings with the court. At least 2 of these should be served in person on myself! None of this has occurred! How does the legal system allow this to happen? According to the letter from the Treasury department, the filings occurred in XXXX County XXXX District Court. I have not resided in XXXX County since XX/XX/XXXX. 
In XX/XX/XXXX I placed a Change of Address with the USPS along with signing up for the USPS Informed Delivery, which emails me a photo of the front of all mail being sent to me. This email arrives about 2 to 3 days prior to actual delivery. From XX/XX/XXXX to Present, I have not been sent anything from either the XXXX County Courts or from the law firm of SHERMETA LAW GROUP PLLC, XXXX. XXXX XXXX, XXXX, MI XXXX ( XXXX ). 
My Complaint is this, Who, When and Where signed for the Proof of Service or where, if any, did the mail go? According to the USPS ALL First Class mail IS forwarded to the new address. None of this happened! Who Forged the Proof of Service? Where was the mail sent, not to me! Why was it filed in the wrong County Court system? When there was more then enough time to file, serve and process the complaint in the Courts where I live? Its harassing enough to deal with Collection Companies, but how can they get away with the Fraud and Misconduct ( illegal nature ) of not following the rules! Its a shame that Collection Companies can get away with doing business this way. 
Being basically XXXX and XXXX, on a limited XXXX income ( normally exempt from creditors, though not a tax refund based on that exempt income! doesnt make sense. ) it is financially difficult enough to make do. Let alone when the system allows this too happen, the Fraudulent Misconduct by NOT properly serving and informing me of the situation. How many other people have also had this done to them by this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for Forebearance in XX/XX/2021- According to company it was approved although I never received formal notice. 
Contacted ShellPoint Mortgage ( mortgage holder ) XX/XX/2021 and informed them I was ready to start making payments. 
Attempted to make a partial payment and payment was rejected by the lender and money returned. Mortgage company refuses to accept any payment, They want to modify the mortgage and want to add an additional 2 percentage points to the mortgage. This is unacceptable to me, and their refusal to deal with me is illegal in my opinion. 
Mortgage holder has been changing the terms of the repayment, and not responding to proposals for 14 days or more. 
Mortgage company makes no commitment on repayment proposals claiming that 'they must submit it to investors ' Weeks go by and THEIR proposal are now rejected and they are making new demands. 
They have insisted on bank statements before they will approve repayment. 
They keep changing the terms, and I feel they are not dealing with me in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a bill from XXXX, from XXXX XXXX XXXX. They set the account up with my SSN and my daughters name. We tried numerous times to correct and they never did. We switched users and they say we owe them. Not sure at this point what it is for. I tried numerous times to straighten this out. They turned the account over to XXXX XXXX. We got numerous bills from them saying they would offer a settlement for x amount. I disputed this on my credit report because this is not my name on the bill, but on my credit report because of my SSN. The dispute came back in their favor. I got sick of fighting with them so I took a bill they had sent and paid the amount it showed. Sent that bill, my check with paid in full on it and mailed it to them. They cashed the check. I then got another bill from them. I called regarding it and they stated the amount I paid was on a expired offer. However they cashed the check. I feel that they have been paid and I actually paid a bill that is fraudulent beings it is not my name on the bill but they have my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: BARCLAYS BANK DELAWARE
State: PA
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:
XX/XX/XXXX, XXXX {$3900.00} deposit was paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Uber credit card. This payment was a deposit for a vacation to XXXX XXXX that was scheduled to take place in XX/XX/XXXX. 

XX/XX/XXXX, XXXX Our flight to XXXX XXXX XXXX cancelled by the airline. XXXX XXXX borders were closed to international travelers due to the XXXX pandemic. The travel agent XXXX XXXX XXXX XXXX XXXX ) offered to reschedule our trip to XX/XX/XXXX and we accepted. 

XX/XX/XXXX, XXXX I requested to cancel our postponed trip and receive a refund since the original trip was cancelled due to the XXXX pandemic. The travel agent replied that my deposit would be forfeited if I cancelled our postponed trip. They were unwilling to issue a refund. 

XXXX XXXX I filed a dispute with XXXX for the transaction. Case number XXXX XX/XX/XXXX, XXXX I received a letter from XXXX XXXX they were unable to obtain credit on my behalf because I needed to notify them of the billing dispute within XXXX statement cycles after the charge appeared. This would have been impossible, as the charge took place on XX/XX/XXXX and the trip wasnt cancelled until XX/XX/XXXX ( XXXX XXXX XXXX XXXX I replied to this letter stating that what they were asking was impossible, and they replied stating that they could not do anything else to help. 

XX/XX/XXXX, XXXX I contacted the owner XXXX XXXX XXXX XXXX XXXX and they agreed to refund me for a portion of my deposit ( {$1300.00} ), which was for the lodging accommodations for our trip. They said they were unable to refund us for the domestic flights that were supposed to take place during our trip because the airlines were not refunding them. Refund was received on 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 explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 to dispute the following information in my file. I am a victim of Identity Theft which i believe came from XXXX Data Breach. I filed an FTC Identity Theft Report XXXX. I recently received a copy of my credit report from Transunion and XXXX. Both credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please see attachment with the list of inquires.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian charged the Premium service fee to my credit card without my authorization. I do not have a Premium Experian account. When I called Experian they claimed they had never charged me but the charge very clearly appeared on my credit card statement. Today the same thing happened to my husband.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 

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

15 U.S.C 1681 Section 604A.section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681C. ( 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 if information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable abuse 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 non-monetary relief
Consumer complaint received 2019-09-27
Company: EQUIFAX, 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:
Equifax has failed to verify the validity of the alleged debt and the original debtor has incorrectly reported the balance which should be {$0.00}. 

Im writing to formally dispute the following Account : XXXX XXXX {$5100.00} Original Creditor XXXX  XXXX / XXXX XXXX A careful examination of the submitting documents will clearly and factually demonstrate that the charges submitted to your agency were grossly and intentionally misrepresented. 
The landlord grossly and intentionally misrepresented the alleged debt owed by submitting inaccurate and fraudulent charges to a credit reporting agency ; specifically the landlord charged {$3500.00} for reportedly Insufficient Notice Fee-Sam. In addition to Lease Termination Fee-Sam. {$1600.00} and lastly a XXXX XXXX/XXXX/XXXX XXXX XXXXl/XXXX XXXX XXXX XXXX XXXX {$430.00}. SEE ATTACHED : NOTICE TO VACATE. 
I DID NOT FAIL TO GIVE SUFFICENT NOTICE AS INDICATED IN THE ATTACHED FINAL INVOICE. THE LANLORD DEMAMDED IMMEDIATE POSSESSION OF THE PROPOERTY VOLUNTARILY. 
THERE WAS NO BALANCE AT THE TIME PRIOR TO THE LANLORDS REQUEST TO IMMEDIATELY TAKE POSSESSION OF THE PROPERTY. THERE WAS A CREDIT. 
The landlord failed to follow applicable laws demanding possessing of the property within 24 hours. In addition, I ( tenant ) did not fail to provide Sufficient Notice, neither did I voluntarily surrender the property or terminate the Lease. I was not given the opportunity to formally and legally dispute the Terms of the Notice to Vacate. Lastly, the Landlord failed to file any Eviction in the appropriate court jurisdiction. There was not delinquent balance.

The Landlord failed to provide the sufficient Notice as required by : Texas Property Code 24.005. Notice to Vacate Prior to Filing Eviction Suit ( a ) If the occupant is a tenant under a written lease or oral rental agreement, the landlord must give a tenant who defaults or holds over beyond the end of the rental term or renewal period at least three days ' written notice to vacate the premises before the landlord files a forcible detainer suit, unless the parties have contracted for a shorter or longer notice period in a written lease or agreement. A landlord who files a forcible detainer suit on grounds that the tenant is holding over beyond the end of the rental term or renewal period must also comply with the tenancy termination requirements of Section 91.001.

THERE WAS A CREDIT WHEN THE LANLORD VOLUNTARILY DEMANDED POSSESSION OF THE PROPERTY NO LEGAL EVICTION WAS ISSUED BY THE APPROPRIATE LEGAL JUSIRSIDICTION ; NEITHER DID I VOLUNTARILY SURRENDER THE PROPERTY WITHOUT PROPER NOTICE.

THE LANLORD TOOK IMMDEIATE POSSESSION OF THE PROPERTY WITHOUT GIVEN SUFFICENT NOTICE XXXX XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for the Citi/AAdvantage credit card in XXXX  and used the card number provided.  I received a paper bill/statement in the mail early to mid XXXX  and paid bill on time.  I received the actual credit card in the mail mid XXXX  which I activated online on XX/XX/XXXX.  At this point the Citibank online website activates your card but automatically toggles the paperless billing option.  I did not want paperless billing & toggled the paper billing option. After completing the online activation I received an email from Citi/AAdvantage that states "Welcome to Citi Online.  Now it is easy to take advantage of all the great benefits of Citi Online, like paperless billing management, alerts, online bill pay etc."  After reading this I was confident I had correctly selected the option to continue receiving paper bills. The next billing cycle comes and goes and I do not receive a paper bill but have received an email stating my payment is past due. Besides an email stating that my statement was available online I received no other emails or warnings until the past due email for which I had already been charged a $XXXX  fee.  I called the Citi bank number on the back of the card and informed them of the situation.  They insisted that I checked the paperless billing option.  I did not.  I spoke to customer service & after they could not rectify the situation asked to speak to a manager who was also unwilling to rectify the situation & waive the $XXXX late fee. This fee was deceptively charged in the first place do to their faulty toggle options on the billings option page of their online credit card activation process.  I fear this is happening to many thousands of consumers & Citi is collecting an exorbitant amount in late fees due to this deceptive process and they should be researched.

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 2020-01-24
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 XXXX XXXX is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for XXXX XXXX XXXX to DELETE from my credit reports or i will sue both XXXX XXXX XXXX and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the XXXX breach. The dicuments sent prove nothing

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