BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX  Account illegally sold the debt to XXXX XXXX XXXX. in accordance with Colorado Law SB 20-211 and the Fair Credit Reporting Act ( FCRA ). 

Colorado passed a law ( SB 20-211 ) prohibiting judgment creditors from initiating new " extraordinary '' collection actions, unless specific legal requirements were met. Under this law, before taking any action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment on a debt as defined under the Colorado Fair Debt Collection Practices Act, the creditor has to notify the debtor about, and provide the debtor with, a garnishment and collection suspension, if requested. 
As permitted by SB 20-211, the Administrator of the XXXX XXXX XXXX XXXX extended the right to get a garnishment and collection moratorium through XX/XX/2021. 


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. 
XXXX XXXX XXXX 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 2019-08-17
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I filed for bankruptcy chapter XXXX  on XX/XX/2018my attorney included all my debt I was told that I could reaffirm my auto loan with Wells Fargo dealer services I contacted WFDS & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid WFDS $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy

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 2019-08-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello,Company: Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  OH XXXXDate: XX/XX/2019Amount: $XXXXI purchased my home In XX/XX/2019.  The loan has transferred twice in three months, from XXXX to XXXX XXXX XXXX (XXXX), and now to Shellpoint Mortgage Servicing.I made one payment to XXXX, one to XXXX, and just paid Shellpoint on XX/XX/XXXX.  Shellpoint shows no record of my payment, although I paid through XX/XX/XXXX XX/XX/XXXX via XXXX XXXX XXXX.  XX/XX/XXXX sent the payment to their electronic account on file with my Loan Account Number documented.- I have provided XX/XX/XXXX Proof of Payment--as requested from Shellpoint, with still no resolution.- I have called Shellpoint multiple times, on hold and unable to get through- Shellpoint forces me to leave a message, and I have never been called back- I messaged them via email and secure login, and still no resolution despite submitting documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX STOP THESE CALLS PLEASE! 
I GET THEM EVERY SINGLE DAY.

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 2018-04-25
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2019-08-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I incurred a debt with Care Credit owned by GE Captial Retail Bank. I received my last billing notice about XX/XX/XXXX. I made no further payments. GE Cptial Retail Bank SOLD my debt to XXXX XXXX XXXX, XXXX. The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law. Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage. There were no collections on my credit report at this time. By approximately XX/XX/XXXX, XXXX XXXX   XXXX., XXXX, contacted me in an attempt to recover this debt. I filed a complaint with both Credit Bureaus. I was informed that this debt was on my credit report since XXXX, which is clearly incorrect. I have attempted to work with XXXX XXXX, without avail. This blemish needs to be removed from my credit history immediately.

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 2020-10-23
Company: Experian Information Solutions Inc.
State: NV
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 a victim of ID Theft and i've been needing help. Both XXXX   and XXXX  have already completed their work and its been beneficial, im thankful for their expertise and professionalism. On this hand, with Experian, on several different occasions dating back to XX/XX/2020, I've tried to have Experian investigate these fraud items through mail and over phone and both times, they continue to fail me as the staff there continue to say they cant " find '' the documents i send to them.

I try to upload, and i continue to get rejected and failed attempts by there system, it really feels like Experian has me blocked out of assistance. I feel very much violated how some companies can fraudulently report nonsense on my credit report and get away with it month after month with no resistance due to Experian not doing their job for the consumer ( me ).

Here i am on CFPB uploading/sending the necessary documents requested by Experian, again, in order for them to properly investigate and block these fraudulent items i have listed.

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 2020-10-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is regarding BBVA aka Compass Bank. My mother passed away in XX/XX/XXXX and her estate disbursed two checks on major banks. I have been trying to open an account to use my inheritence  to purchase a home as was my mothers XXXX wish. I have been going round and round since XX/XX/XXXX with multiple visits to the branch and nearly two dozen phone calls most of which have gone  unanswered trying to get an account opened up. I was told they needed to speak with the legal department because even though the checks were issued to the now defunct trust that they were provided a copy of and signed over to me by my brother as he is co trustee they didn't know if I could use them or if they'd need to be reissued to the estate of. After nearly a week " legal '' got back to them and stated we could use them as issued and I just needed to provide a TIN for the defunct trust and I need to sign a multiple trust agreement. Great! my brother can go into a local branch ( since we live in seperate parts of the state ) and I can go into mine and sign and everything will be hunky dory Can you give me this multiple trust agreement and I'll get this taken care of? The banker states she's never heard of this document. I ask can she get it from " legal ''? She doesn't know! She states to look on XXXX for this document. I Obtain my TIN and take time off work to go in only to be told now they need to have " legal '' approve my TIN. I tell her Should be about two days. I start calling at two days and three days later I'm told it's approved and I just need to provide them with this multiple trustee agreement that nobody knows anything about. This banker waited nearly two weeks to attempt to locate this form  that she new I would need so I could deposit over {$72000.00} in checks! My mortgage company, my brother, my REALTOR have all been in contact with this banker trying to get this done! We have postponed closing on the house for a month causing undue stress on me and my brother because of the lack of professionalism by this banker. It's bad enough that we just lost our mom but this treatment has the potential to cost us thousands of dollars and should not happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: The CMI Group, Inc.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for loan at XXXX XXXX and their response was in writing to me stating Experien reported me Deceased. Loan denied. I put a dispute in with experien and they told me I had to dispute with XXXXXXXX XXXX. I called XXXX and disputed that info but its been over 3 weeks and no response. This is so bad. I am not dead. My husband and I are very much alive and I need to get this fixed. My biggest concern is why XXXX or XXXX would accept that without a death certificate. Experien is the keeper of my info but they have failed to secure my personal info. I have disputes but no resolutions. I am not deceased. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

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 2023-06-09
Company: EQUIFAX, 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:
To Whom It may concern, On XX/XX/2023 I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my credit score accurate for me and my family. I will attach documents from XXXX, equifax and XXXX  so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
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: Account status incorrect

Complaint:
I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX) for XXXX XXXX, my lease ended XX/XX/XXXX, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XXXX XXXXt and XXXX XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX XXXX  XXXX  stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called XXXX  again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like XXXX chooses to report fraudulent information on people’s credit report. XXXX is nothing but XXXX XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
See the files that are attached. WHAT COULD BE A FAIRANSWER TO THIS PROBLEM?

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 2023-07-25
Company: EQUIFAX, 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Consumer Adjustment Company Incorporated
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a payday loan from XXXX years ago show up recently on my credit report, This is the first time and it took  XXXX years to show up, but says the account was opened last month It only shows up on my XXXX, XXXX opened XXXX on XXXX and XXXX closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


XXXX XXXX XXXX XXXX US DEPT ED XXXX* US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-09-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage performed illegal modification stating from multiple staff ex husband would be removed from loan due to extreme circumstance of ex husband XXXX XXXX veteran. I currently have a XXXX XXXX XXXX XXXX  against him after he attempted to XXXX XXXX and then himself in XXXX XXXX. Freedom mortgage changed my APR % from 3.25 % to 4.75 % and now pay $ XXXX a month to get his name off. Modification never included ex husbands signature as he is the XXXX  on the loan. Rate changed and then told me ex husband will NEVER be removed. I complained all the way up to the VP of Customer Service at Freedom Mortgage and was told they would only match the unaffordable 4.75 % and nothing lower for everything they have put me through. Freedom mortgage even attempted to cover there illegal modification by contacting my ex husband stating they needed his signature since they never had it in the first place to do the modification. Unacceptable as a XXXX  XXXX of XXXX trying to make it after such a horrific incident. Freedom mortgage is trying to take advantage of this circumstance by not only charging a horrendous interest rate but forcing me into foreclosure because of it to inevitably foreclose on it. I truly wonder how many low income people this company has taken advantage of through the loss Mitigation unit where they do these modifications based on not being able to afford your mortgage.

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 2023-01-24
Company: Nelnet, Inc.
State: MS
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 did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.

Company response to consumer: Closed with explanation