BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: GA
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:
There are XXXX erroronus, dismissed XXXX XXXX bankruptcies being reported on my Equifax, XXXX and XXXX credit files. The bankruptcies were filed on XX/XX/21 ( filing # XXXX ) and XX/XX/21 ( filing # XXXX ). I have disputed these bankruptcies with Equifax, XXXX and XXXX multiple times and they have responded " verifying '' the bankruptcies through the bankruptcy court and also through the third-party vendor, XXXX. Since, I have reached out directly to the bankruptcy court and they responded with a letter stating that the BANKRUPTCY COURT DOES NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. Please review the attached letter from the court. Then how could they have verified the bankruptcy through the court? The letter sent by the credit bureaus also states that they receive public records information through the third-party vendor, XXXX. So I disputed the bankruptcies with XXXX and they responded by removing both bankruptcies from my XXXX file. Please see the attached XXXX from XXXX and also a copy of my new XXXX Report. These bankruptcy have severely damaged my credit with my credit score dropping over 200 points and also having ALL of my credit cards terminated. This has been a nightmare!! The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain 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 2020-04-15
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
With Covid 19 my mortgage company Mr. Cooper is string up its clients to fail. Instead of adding deferred payments to the end of the loan, they are requiring full payment at the end of the 3 month extension. This will allow them to foreclose on multiple homes which is unreasonable for most borrowers who opt in to this. I am not working, but I will not be doing this with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an addendum to the complaint submitted XX/XX/XXXX ... # XXXX. 

Today, XXXX, I received an official Notice of Default in the mail from Shellpoint 's attorney ... XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Shellpoint is in violation of law in the State of California on two counts. 

1. Dual Tracking. I have been going through the loss mitigation options with Shellpoint and sent all the requested documents for a loan modification. I was never given an answer on this by Shellpoint and they were pursuing foreclosure without ever giving an answer. My original request was for forbearance due to financial difficulties and was never given an answer on this either.

2. Violation of Notice of Intent. A letter dated XXXX was received from their attorney saying they were going forward with foreclosure. But they had filed for notice of default on XXXX, filing before they even sent the letter of intent. Plus, they are required to wait 30 days after the Notice of Intent to file the Notice of Default. 

Shellpoint will not even acknowledge receipt of documents they requested of me for a loan modification. In fact, they requested the same documents more than once, even after I complied with the original request. 

Aside from this complaint, I have sent Shellpoint a QWR asking for answers. I am in the process of drafting a complaint with the attorney General of the State of California for violation of California laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.

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 2020-04-15
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:
XX/XX/XXXX / amount $ XXXX/XX/XX/XXXXamount {$1500.00} filed ftc report and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I RECENTLY SEEN A COPY OF MY REPORT AND WAS IN DISBELIEF WHEN I SEEN THE COMPANY BELOW REPORTING LATE PAYMENTS. I HAVE NEVER HAD ANY LATE NOR MISSED PAYMENTS WITH THIS COMPANY. I DONT KNOW HOW THIS HAPPENED. 

CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX I WAS NEVER LATE IN THE MONTHS OF XX/XX/XXXX AND XX/XX/XXXX. THIS HAS TO BE SOME MISTAKE ON THE COMPANY BEHALF. I HAVE ALWAYS MADE MY PAYMENTS ON TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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 have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-07-29
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2023 : Credited my account in the amount of {$160.00} XX/XX/2023 : Email received stating the credit of {$160.00} was in error XX/XX/2023 : Email stated the correction will appear on my next monthly statement and the amount of the credit will charged to my account. 
XX/XX/2023 : Call to Discover talked to XXXX in XXXX who stated because I had received a credit it would be removed and the {$160.00} would be a charge on the next statement. My statement was I didn't make the mistake of crediting my account why am I paying for their mistake? Well because you benefited from the {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX  Accounts, 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 Has Violated my rights! 

15 U.S.C 1681 Section 602A 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 with out my written instructions.

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 2020-07-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  NY XXXX For XXXXXXXX Experian & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These inaccurate accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
You state that the information being sent was not sent by me, which I am the one writing this request and youre refusal to honor it is in direct violation of the law! 
XXXX XXXX XXXX  ACCT : XXXX AMT : {$760.00} XXXX XXXX XXXX XXXX : XXXX AMT : {$1600.00} XXXX XXXX XXXXXXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX   ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX   ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXXXXXX  XXXX   XX/XX/XXXXXXXX  You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My current and most valid up to date address is : XXXX XXXX XXXX. XXXX XXXX NY XXXX. You are reporting inaccurate information that should be removed immediately. 

I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX  Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX  XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-09-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple times I wrote to bureaus asking to please verify debt as I do not recall having account open. I have not received any documents verifying debt as my responsibility to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Since XX/XX/XXXX XXXX XXXX XXXX tried to debit over {$3000.00} out of my account instead of {$660.00}, my normal payment. After XXXX contacted me about the unusual amount trying to be debited from my account XXXX XXXX has insisted that I have been behind in my payments. Ally has stated that since XX/XX/XXXX I have not been paying within the 30 day thresh hold but yet and still my online mobile account shows payments for each month, late but paid. 
There was a question about a returned payment for XX/XX/XXXX. After sending the bank statement ( redacted ) which displayed the payment was available and withdrawn by XXXX XXXX, my credit report has been tarnished drastically by XXXX XXXX stating I am 4 months behind. I have all of the payment receipts and bank withdrawals. 
There were times when XXXX would debit the account due to autopay before my direct deposit was there and the bank would not honor the payment. I would manually make the payment the same day later in the afternoon and XXXX would resubmit the payment through the bank and it would come back as insufficient because I would have made the payment manually.

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 2020-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made some mistakes about filling disputes which were made by mistake. USAA has my checking account under review for potential debit card disputes. This isn't true I had canceled most of the disputes that were made by mistake & I requested recent ones that were filed by mistake. Sometimes the bank got wrong transactions and disputed them. But I would like the dispute feature to be disabled on my account. So no disputes can be no longer filed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2020-07-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES XXXX LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL XXXX 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 explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by XXXX XXXX that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from XXXX XXXX, see attached! Experian had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from XXXX XXXX on behalf of CFPB. So i am confused, how did Experian " verify '' this Bankruptcy  from a company who removed it due to it being inaccurate and illegally reported. Is XXXX XXXX lying about removing it from my file? Or is Experian lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!

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 2023-10-06
Company: GAMACHE & MYERS, PC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did not receive a written notice/debt validation letter from the last complaint I filed against this company. The debt agency did not send actual proof of notifying me of the debt validation. Instead they sent a new bill. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. This debt collector did not follow the law.

Company response to consumer: Closed with explanation