BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went on on XX/XX/22 about XXXX to make my mortgage payment for XXXX, as I do every month. Unfortunately I have made my payment at the end of every month for over two years now its just the way it is and how it happened with a Pay schedule change a while ago. I have never been late on any payment on my Mortgage. Credit reporting is extremely important me and I am not late. When I went to try to go on to make the payment the site was down I then tried to call and the phone system was down and I was unable to make any type of payment as the whole system was down. I consistently tried to go on for hours with no luck. I got error messages indicating the system was down and was going to go down, and at XXXX Eastern time it notified me of the errors. I am in California therefore I should have had more than enough time to make my payment timely without getting a 30 day late on my credit. Again I have done this for years with no issues. I immediately emailed new Rez the error I was receiving and the minute I was able to make a payment a payment was made. Unfortunately it was taken out early on XX/XX/22, which made a 30 day late on my credit. I called and advise this was not my fault and it was a system error and they have asked me to email them over what happened along with snapshots I have of the error messages I received and today they have not fixed my credit reporting. 
I also have XXXX showing that my account was showing in active and was not allowing me to pay on an active account until the following day the whole system was messed up I have asked them to remove the 30 day late and report my account as current as it was not my fault that the payment was made late. I kindly ask that you request new rest to remove the 30 daily as it was their fault their system was down and I was unaware of the system being down until I try to make my payment again this is not a one time thing that I forgot to make it till the end of the month it is very normal for me to do this unfortunately but it has been consistently done this way for years with new razz with no issues I am now 30 days late on my credit report which dropped my credit score and I am devastated because it was not my fault and I am not late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: CO
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 continues to publish inaccurate information They were provided with a police report and various statements. Drivers License and Social Security card. I have continued to dispute various credit which was covered by identity fraud. I have never lived in Georgia. XXXX XXXX accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: TX
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 reached out to first XXXX XXXX XXXX and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at XXXX who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report.

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX  AND XXXX  REPORT TO ALSO BE REPORTED TO MY EXPERIAN 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 explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NC
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:
The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
XXXX XXXX ( XXXX ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
XXXX XXXX stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and 1 payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX failed to report payment delinquency information on credit reporting payment history. 
XXXX XXXX is furnishing re-aged payment history reference " payment history legend. '' XXXX XXXX " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per Experian online credit file, XXXX XXXX is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, XXXX XXXX is redirecting me to address inaccurate information on my credit file to Experian, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, XXXX XXXX has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my Experian credit file similar to XXXX & XXXX who immediately removed this derogatory item from 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 explanation
Consumer complaint received 2017-10-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and notice XXXX XXXX. I sent a letter asking for a validation letter of original contract application. I received an application that I assume is the original application, but it also seem to have falsified information that is very concerning to me. 
1. I never had an email with XXXXXXXXXXXX XXXX noted : never have all XXXX XXXX for my email ) 2. The dates they have assume I started school was from XXXX, but on the date of the application signature for me and an assume cosigner the date assumed signed was XXXX/XXXX/XXXX. That will make it XXXX months after the allege start day of classes. How could it even be possible for me or someone to sign if the date of enrollment have already started before the application date? 
3. For something that was not suppose to be electronic, why is the signature typed and printed, rather than being signed for more valid proof. 
4. It clearly have no signature of Authorized school official or date. 

This XXXX XXXX have effected me greatly, they have sent my to the credit bureau and also sold to Navient and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My personal bank account with BB & T became overdrawn as a result of automatic debits. I attempted to login to my bank account to stop those. The bank had removed the ability for me - the client - to stop those without notifying me. I contacted the phone service with the bank after futilely searching online. By the time I did, the fees went through the roof. I met with bank employees and they were not able to reverse the fees. Now the bank has closed the personal account and taken money from a business account with the same bank. The bank has made it impossible for the client to manage overdrafts online. It appears to be a scam to simply charge outrageous fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I'm disputing the collection ( ACC : XXXX  ) Synergetic Commucation , Inc The collection agency has re-aged this account according to the original creditor 's date of first delinquency back in 2011. They're violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
Hello, it saddens me that yet again, I'm having to write you regarding this particular credit bureau. This is my 3 or 4th attempts/disputes with them regarding this erroneous info on my credit files. They want to continue to come back with it being verified and leaving it on my credit report intentionally. I have asked over and over and over again for the following : Re : Please provide the furnisher of the information for this account and all other requested information listed in this dispute To Equifax Information Services : I recently sent you a letter around XX/XX/XXXX & XX/XX/XXXX. I asked that you provide a detailed report showing/proving the validation method for this debt you have placed on my credit file. I am concerned about the validity and accuracy of your recent investigation of this account. Im requesting full, honest, and complete investigation because I felt the item was not being reported legally or accurately.

Please tell me how was this information verified? Prove that this listed debt belongs to me and not someone else. Im requesting for sufficient legal proof under the FCRA. Please answer each of the following questions in this letter. I asked for this in my previous letter, but you appear to have ignored my request which is against FCRAs laws. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Its designed to shield all consumers from the willful and/or negligent inclusion of erroneous data in our credit reports. The FCRA regulates the collection, dissemination, and use of all consumer information, including consumer credit information. And, if the consumer asks, consumer credit reporting agencies must explain the method of verification in full and with completeness and how you investigated my consumer 's dispute. A collections agency or debt buyer buying a debt and slapping/attaching it to anyone 's credit file to does align with the FCRA 's laws.

Creditor : Information in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amt. {$93.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!

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 2020-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to log on to my credit report with experian for 2 years. I need to give XXXX  access to my account- and I have been, basically, permanently locked out of their system. I tried to order a hard copy of my credit report today, and I was not able to do so. I have called 50-60 times, and I am usually hung up on. They have no idea what is going on, and say I have a freeze on my account. When I asked them how to get rid of it, they guide me through the process only to find that my information is not found in their online system. 

This the error I receive : " We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT '' The problem is, that phone number does not take you to a person- nor does ANY phone number listed anywhere on their web site or on XXXX. They give me a couple of choices- but none of them take you to a person. Finally, I had to pretend to be a business account to get to talk to a person. Finally, she gave me 4 numbers- the last one actually let me to a person, eventually. That number is not published anywhere. 

I want access to my account. I need to give my account over to XXXX so they can work on it with me. How do I do this, when the company in charge is a scam?

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 2022-02-08
Company: V and H Portfolio
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:
Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$740.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been receiving multiple phone calls a day since XX/XX/XXXX of 2020 from different XXXX XXXX XXXX numbers. Upon looking up these numbers, they are all linked to Radius Global Solutions or XXXX XXXXXXXX XXXX TX. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single time I have asked for them to identify their selves, explain the nature of and verify the debt they are trying to collect on, as well as to please send me written notice of the debt along with any verifying documentation. I have asked how the debt was calculated and how it will be reported to no avail. Every time they just keep repeating that they are on a recorded line and then hang up. I get up to 5 calls a day from different numbers and I ask the exact same questions every time. It is now XX/XX/XXXX and the 5 days since initial contact has passed for them to send me written notice. I am absolutely furious as I pay my bills, have good credit, and am a law abiding and tax paying citizen. I can not stop them from harassing me as they change the numbers frequently. This could be identity theft or an attempt to collect on something previously paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: DC
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 Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX. This has been reported by a third party company and not by the United States Bankruptcy Court in XXXX. An attached document has been provided by the United States Courts Bankruptcy Court in XXXXXXXX XXXX for me for my complaint. 

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

15 U.S.C. 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: FL
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 am a victim of the recent Equifax security breach. In this breach, I have lost, at minimum my address, driver license, SSN, and birth date. I am learning of this today, at least two months after the breach happened.
Approximately one month ago my online banking access was stolen and several transactions were made before I was alerted. The perpetrator 's had used my SSN to change my online banking password, created an account to transfer my money into, and initiated transfers from my own bank account to theirs. The only way to commit this type of fraud is to use the victim 's social security number. This happened on Friday night. Because of my bank 's policies, I could not access my account until Monday. On that Monday I had to withdraw everything, and file a report. I had to close my account and change all of my banking information for all of my bills. I ended up leaving the bank I had had for more than 7 years because I believed it was a problem with their own security that caused this incident. I ended up being one or two days late on several payments due to the timing of the fraudulent activity, and it has since negatively impacted my credit score. 

I realize now it was not my bank who was at fault, but Equifax, who decided to just now make this breach information publicly available. My bank still has not resolved my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: MN
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:
Wells Fargo bank company use Social Security card number to open a personal credit card on my credit profile for XXXX XXXX XXXX and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. Wells Fargo also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted Wells Fargo and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.

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 monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am reaching out to you for a resolution to an issue with XXXX XXXX XXXX XXXX reporting my account information to Transunion and XXXX credit reporting agencies. XXXX XXXX XXXX XXXX has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a XXXX XXXX employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.

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