BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have been calling and trying to sign in online to Myloancare for about 10 days and the site is down. I called and received a recording that they " have experienced a security event and no one could take '' my call. I have continued to check the site daily and it is still down. I have called again today and was told there has been an " event '' and they have no access to any of my account information. I am unable to make my mortgage payment. I have received no communication from this company about what has happened. I am really concerned that all of my information was hacked and stolen. I also do not want to be in default on my mortgage because of their issues.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX ACCNT # 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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX XXXX ) is reporting on my XXXX  and transunion incorrectly. I have tried working with XXXX and Transunion over and over and have also sent several letters. The payments status is incorrect and the remarks are not correct. This is not a collection or charge off. I have never had a loan with this company please get this resolved asap. I want the payment status and remarks corrected. This should not be reporting as derogatory 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have NEVER been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2023-01-05
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE OF DEFAULT AND OPPORTUNITY TO CURE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Transworld Systems Inc., On XX/XX/XXXX I filed a CFPB Complaint 'demanding the agreement between myself and Transworld Systems Inc that created the alleged debt. On XX/XX/XXXX Transworld Systems Inc. replied to the CFPB complaint stating the account was closed, and TSI intends to have no further communication with me. I CLEARLY STATED in my initial complaint that a FAILURE TO PROVIDE ANY INFORMATION IS A VIOLATION OF THE FDCPA 15 USC 1692 ( Fair Debt Collection Practices Act ). This has caused me the natural person/consumer damages by finding out that Transworld Systems IncXXXX XXXX XXXX ATTEMPTING TO COLLECT AN ALLEGED DEBT. 

Pursuant to 15 USC 1692f ( 1 ) Unfair Practices : states that that a debt collector may not use unfair means to attempt to collect any debt ; unless such amount is expressly authorized by the agreement creating the alleged debt or permitted by law. 

Transworld Systems Inc. BECASUSE FAILURE TO PROVIDE THE AGREEMENT CREATING THE ALLEGED DEBT, YOU ARE IN CLEAR VIOLATION OF THE FDCPA AND I WILL NOT STAND FOR YOUR ILLEGAL ATTEMPT TO COLLECT. YOU ARE CIVILY LIABLE FOR ANY AND ALL DAMAGES TO THE CONSUMER/NATURAL PERSON AND ORDERED TO PAY {$1000.00} PER VIOLATION PURSUANT TO 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ). 

THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 
Attached is an Invoice in the amount of {$3000.00} for violating 15 USC 1692f ( 1 ) Unfair Practices and damaging the consumer/natural person. Send check by certified mail to mailing locating listed above. Transworld Systems Inc. HAS UNTIL XX/XX/XXXX BY XXXX EST TO SETTLE THIS MATTER! THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 

XXXX XXXX XXXX  Coming in Good Faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 dont live in XXXX XXXX XXXX XXXX charge me almost {$200.00} in XXXX instance and again another amount of XXXX something and I dont live in XXXX Ive been living on XXXX since 2015 someone is using my information for services on XXXX I paid my services here on XXXX using the XXXX XXXX and I checked with them on XXXX and they have nothing showing that I owe money. So I found out that its XXXX. Please help clear my credit of fraud.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-02-12
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : NATIONAL CREDIT ADJUST XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XXXX  XXXX ( Original Creditor : 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 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 2018-10-08
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian about a account being reported by XXXX XXXX XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. Experian Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from XXXX XXXX stating I needed to contact XXXX XXXX but they are the same company according to the chamber of commerce in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between Experian and XXXX   are different also it is Reported under XXXX XXXX on Experian but tenant tracker on XXXX and XXXX this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX  XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/14 and XXXX XX/XX/14 there is no way this collection account is valid as I am in no way tied to this debt.

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 2018-02-13
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had a pipe burst in my house that caused a lot of water damage. My insurance company quickly handled the issue and by the XX/XX/XXXX I had the check for the damage in the amount of {$6700.00}. The check was made to myself and the mortgage company. I contacted my mortgage company on XX/XX/XXXX and asked them the process they said they would send out the appropriate forms and that I would need to send the check and the signed forms back to them. By XX/XX/XXXX I still had not received the forms so I called and they sent them again. On XX/XX/XXXX, I still had not received either set of mailings and called back. Someone faxed me the form to complete. On XX/XX/XXXX, I sent the signed form and loss draft in an express two day envelope with a prepaid one to send back. The check was delivered on XX/XX/XXXX, and I had it back to my house on XX/XX/XXXX. When I opened the envelope I found that the check had been stamped but not endorsed. I contacted them again on XX/XX/XXXX where after about 15 minutes of asking other people they confirmed that I needed to send the check back to them again because it needed to be signed. On XX/XX/XXXX, I sent the check with another prepaid envelope to send back. It was delivered on XX/XX/XXXX, I just called to get the status and they said the " process '' could take until Friday XX/XX/XXXX. They could not give me any other information. I just want to be able to fix the damage in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a letter from NewRez recently saying that my homeowners insurance had expired. Something has gone seriously wrong since NewRez took over our mortgage in the summer of 2023. XXXX, the insurer, has billed me for the policy because they have NOT received the payment through the escrow account. 

Last week I was able to get a NewRez customer service rep on the phone, and they told me NewRez had tried to contact XXXX XXXX times in XXXX. I talked to someone at XXXX who checked and said there was no record of NewRez contacting them about my account. Then I emailed a copy of the XXXX bill to NewRez. Today I am trying to reach NewRez to follow up, but when I call the XXXX service numbers, XXXX XXXX and XXXX, on each number an automated system keeps asking the same questions, then saying " goodbye '' and disconnecting. 

I am very concerned about whether NewRez has also failed to pay my property taxes out of the escrow 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 2023-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Jon Barry and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See attached documents. 
The XXXX  XXXX XXXX authorized payment through XXXX XXXX XXXX XXXX for a XXXX XXXX at the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) and follow-up with XXXX XXXX XXXX 's office, Authorization # XXXX.The XXXX XXXX  was done on XX/XX/XXXX. 

I received a bill from XXXX dated XX/XX/XXXX indicating that they had charged my XXXX XXXX XXXX, XXXX and expected a {$95.00} copayment from me. I called XXXX and spoke with XXXX on XX/XX/XXXX and explained their error. She instructed me to send my information to : ATTN : Ins. Dept. XXXX XXXX XXXX, XXXX, TN XXXX and they would refund the payment to my insurer and process the billing to the XXXX XXXX XXXX where there is no balance billing. 

I received another bill dated XX/XX/XXXX and this time mailed it back to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX with the VA authorization # and explanation. 

I received a third bill dated XX/XX/XXXX and called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in payments. He told me they had all of the necessary info to bill the VA, which should have already been done and that I would receive no further notices. 

I received another bill dated XX/XX/XXXX and called again on XX/XX/XXXX at XXXX XXXX and was transferred to XXXX in the escalations Dept. She said that she notified Billing and will also notify Collections and the matter would be taken care of. 

I then received a collections notice from PARAGON and called them on XX/XX/XXXX at XXXX XXXX  to explain what the situation was. The man on the phone was exceedingly rude and did not want to hear anything I had to say. 

I then took copies of all that I will also attach here for you to the XXXX hospital administrator 's office where the administrator 's assistant told me she would forward them on to the appropriate office where the problem would be taken care of. 

On XX/XX/XXXX at XXXX XXXX  I again called PARAGON to see if my case had been resolved and a very polite lady told me it had not been. 

I am now writing your agency to see if you can get the XXXX  to finally resolve this situation and remove me from collections which has since dinged me with the credit bureaus for an unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 1

5 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 an account without my written instructions I did not give anybody written instructions UNDER WHAT WOULD BE FAIR Delete Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-29
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have a freeze on my XXXX consumer profile, which I don't intend to lift. 

Because of the freeze on my XXXX profile, ChexSystems refuses to generate a report for me in response to financial institutions inquiries ( provides the Reason Code XXXX and Qualifile Score XXXX ). A credit/consumer reporting agency ( ChexSystems in this case ) must not refuse generating a report for a consumer solely because there is a freeze on the consumer profile on another separate and different credit/consumer reporting agency. 

I don't intend to lift the freeze on my XXXX profile. Considering this fact, I demand ChexSystems to generate a report for me in response to financial institution inquiries.

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 2023-01-05
Company: EQUIFAX, INC.
State: NY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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