BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-12-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been contacting New Rez/ Shellpoint Mortgage since XX/XX/XXXX when my husband received a veteran 100 % XXXX exemption on our property taxes. They refuse to re look at my escrow overages and re analyze it. I have told them the hardship this causes on a XXXX veteran. I also had my XXXX appraisal district write them a letter validating we are exempt and to stop all escows for XXXX. They still refuse to make any updates or changes, they will continue to escrow me until the new tax bill in XXXX of XXXX and by then will owe me close to XXXX in back money. I have submitted over 20 requests and complaints to them to stop escrow, service complaints and to delete my escrow all together. The refuse and site policy 's not to do so. They are very deceptive an are practicing red line process against a US veteran and a XXXX person. Please help we cant continue to pay over XXXX a month more then we should. I do not want to loose our home. The are violating my rights as a XXXX person and the texas tax code. 

Texas Property Tax Code 11.131 ( b ) states, A XXXX veteran who receives from the United States Department of Veterans Affairs or its successor XXXX percent XXXX compensation due to a service-connected XXXX and a rating of XXXX percent XXXX or of individual unemployability is entitled to an exemption from taxation of the total appraised value of the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is with Experian. They are not allowing me to unlock my credit freeze online. 
When I call them, there is no way to talk to a human being, just an endless loop of menus, which are almost impossible to use. 

My complaint is that they should be required to have a call center. 

I eventually found a mailing address, so hope to fix it that way, but either a web or phone based solution should be a requirement for a credit agency to be in business.

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 2017-06-07
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Progressive Management  is trying to collect a medical debt not owed. I contacted the orignal creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  about the debt. I spoke to  XXXX  at the  XXXX   XXXX  billing department on  X/XX/2017    at  XXXX    XXXX    pacific  time. She informed me that I have no outstanding balances and they never sent anything to collections. She verified my insurance and showed no issues from around the dat e of Progressive 's  reporting. I then called Progressive on   XXXX   at  XXXX   XXXX   pacific time a nd got a woman named  XXXX  who only gave me her name after I told her what the original creditor said so her real name could be something else, because I told her I would dispute because of the invalidation and she got an attitude. The original amount they are reporting is similar to another hospital in which I have never been to which is  XXXX   XXXX . I let the agent know as well as the credit bureaus know I have never been to  XXXX   XXXX  and yet no one is validating the fraud being put on my credit report. They are stating I owe over {$2000.00}. They continuously change the amounts based on whatever they decide. They are reporting  XXXX  account that the original creditor stated was never sent to them and  XXXX  that does not belong to me due to fraud and identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX Barclays Billing Disputes XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XXXX XXXX at XXXX EST, I called Barclays and canceled XXXX Barclays CC ending XXXX XXXX. I told the representative that I did NOT want another Barclays Credit Card. The only charge that the card was used for was my Wyndham Maintenance Fees, and those had been taken off of autopay, so I no longer needed the card. 



In XXXX, I received notice that a new card ending in XXXX had been issued, and that Wyndham was putting charges on it. I disputed this by writing a letter to Barclays on XX/XX/2022. 



On XX/XX/2022, I received stating that a new card has been issued ending in XXXX. 



I did not apply or authorize the last XXXX cards ending in XXXX or XXXX. I did not authorize any payments to be made to either of these cards. 



By copy the complaint filed online to the Consumer Finance Protection Bureau and letter to Barclays. I am formally stating that Wyndham and Barclays are performing fraudulent finance practices. 





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 2018-06-04
Company: Metro Area Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, I received a letter from Metro Area Collection Service , Inc., a collection agency. The letter stated that I had ten ( 10 ) days to pay the alleged debt, however the letter was dated XX/XX/XXXX. I immediately contacted the agency and requested that they provide me with their bonding agent or number. Texas Finance Code requires : - All Third-Party Debt Collectors to maintain a bond with the Texas Secretary of State ( Texas Finance Code Section 392.101 ) The collection agency has failed to comply with my request and also does not hold a surety bond with the Texas Secretary of State. Metro Area Collection Service , Inc. is attempting to illegally collect a debt in the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: ENOVA INTERNATIONAL, 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 information incorrect

Complaint:
I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

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 at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: FIRST ADVANTAGE CORPORATION
State: MT
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 identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/XXXX, I purchased a pair of shoes from XXXX, the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The item I received on XX/XX/XXXX was immediately painful to wear ( beyond a simple size mismatch ). In fact, the item was so painful to wear that I went to an official local XXXX XXXX XXXXe on XX/XX/XXXX, and the staff confirmed that the shoe I received was not a genuine version of this shoe model. For this reason, I requested a return through XXXX on XX/XX/XXXX, however the original XXXX seller didn't respond ( or communicate with me ) in any way. It was not until I had to manually reach out to XXXX on XX/XX/XXXX to step in, that I received any sort of response. However, while I was vaguely guided to return the shoes, neither XXXX nor the original seller provided me with any return shipping label to do so. After calling the company 3 times over the course of the next few weeks, and each time being promised a return label would be sent to me, I ultimately decided that if XXXX wouldn't allow me to return these non-genuine shoes for a refund I would have to request a chargeback through American Express ( card ending in XXXX ). The process of initiating a chargeback with American Express went smoothly, and the customer service agent I explained the situation to ensured that this matter would be swiftly resolved in my favor ( as the merchant had sold me a product that wasn't as described ). It wasn't until XX/XX/XXXX, that American Express reached out to inform me that they have sided with the merchant ( XXXX ) and rebilled my account. This is ridiculousas it appears American Express has not properly read my original complaint and seemed to have accepted a generic response from the merchant as a reason to reverse the chargeback. As a longtime American Express customer, I frankly expected better. I would like for this decision to be reversed, and for a permanent credit to be issued for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: WELLS FARGO & COMPANY
State: PA
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:
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, WF CRD SVC add a hard inquiry on my credit report per XXXX  and 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 2018-07-07
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My previous landlord is trying to collect unfair and unsubstantiated charges. Hunter Warfield then left a negative mark on my credit without first contacting me and providing me a notice to dispute the invalid charge. I believe Hunter Warfield violates my rights under the Fair Credit Reporting Act.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay servicing is n't in the business in helping people with difficult situations. They are into foreclosing on your property. They say they will help you not true! They are not going to give you the modification they said we have three choices lie! They only gave us one in Deed of Lieu! The Fay Rep promised many things!. They stalled us with endless requests from many forms, checks stubs, bank statements, profit and loss if you own a business through faxes that at times did n't work, emails and none of it will ever matter to them. Many times they said they never received the docs and you had to redo all over again. Plus, they never had any new information or the rep would say I do n't know whats going on? Really? We are always in the dark about our whole loan. They want your house and they keep asking you for the same paperwork over and over until you run up the arrears on your mortgage and now your worse off then when you first started. They lie a lot! We asked countless times for the final payoff took them over a week and still do n't have it. They said you do n't qualify for the loan modification. He said its a 5.5 % loan so its going to be {$5000.00} a month oh no {$6500.00} oh but let me add this and this its {$7200.00} a month you cant qualify for the payment! These people are a scammers! They are abusing people and are into making money not helping people. it has been a major stressful time for one year! Filing a BK is the only way to save your house people are telling me. This should not be an option! XX/XX/2016-current dealing with these people! I work two jobs and dealing with this stressful situation!. They are taking the house and no resolutions other than Deed in Lieu! FAKERS and SCAMMERS! Worst People EVER! Who is protecting us? No one!!!!

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
Upon learning about the XXXX security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

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 2017-09-12
Company: EQUIFAX, INC.
State: KS
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:
Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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: Credit inquiries on your report that you don't recognize

Complaint:
To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: Northeast Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Person called and identified herself as XXXX from XXXX XXXX. Ordered that I provide SSN. I told her I would not verify personal information without knowing the nature of the call, the name of the company, the reason. " XXXX '' said I had no problem spreading my personal information all over the internet, said I was being sued, and used profanity before hanging up. I attempted to call back XXXX times and she hung up on me. She then proceeded to call my daughter on her cell phone number and told her I was being sued and needed to call, she called my son making the same claim, and then called my sister-in-law. My sister-in-law said that " XXXX '' left a message saying I was filing a law suit against someone and she was trying to get in touch with me. I do not know how this person got any of these phone numbers other than they are all on the same phone plan. I have no idea what she is talking about but I do know her actions are in violation of the FDCPA. I was attempting to call her back to get more information and she refused and said that I did not work for her and that I needed to pay my bills. XXXX XXXX is using abusive, threatening tactics to frighten people into paying debit they may or may not owe. The number from which she called appeared to be local, which also means that the company is " spoofing '' phone numbers. The number used in this case was XXXX.

Company response to consumer: Closed with explanation