BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I am trying to get a Heloc with XXXX XXXX XXXX, all income and taxes are good, the problem is with my current mortgage holder Shellpoint Mortgage ; they put my Pandemic forbearance from XXXX  as it a second mortgage ( $ XXXX ). All the banks know that you can not get a heloc with two mortgage.What could i do?.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2019-07-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian refused a certified letter from me disputing a debt. This violates my rights to dispute incorrect information on my credit report. Experian must legally review every letter to see if it has new information that is relevant to items on my report. Experian refused a letter without reading the contents inside, which means they failed to review the letter for new information. They have denied me my right to dispute items on my report. Experian wrote " refused '' on a certified letter mailed on XX/XX/XXXX ( picture included ). 
I have reached out to Experian twice over a debt that is not mine. I have asked Experian if they have the original contract for the debt with my written signature. This is required under section 609 and section 611. Experian has never provided proof that they have a copy of the contract with my signature in their possession. Instead they send me documents that I have not asked for and are not the contract. If Experian doesn't have the contract, they must remove the debt from my report. 
Experian has failed to provide proof of the contract ( again, no actual contract has ever been sent to me, and they have never proved they have it in their hands ), and now they are refusing mail. 
This is illegal, and this violates my rights. They are legally bound to review letters to see if new information is provided.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NJ
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 requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX 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 2023-12-28
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
BB & T ( better known as Truist ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My company I work for is XXXX XXXX in XXXX Arkansas however it's showing XXXX XXXX in XXXX texas I worked there when I was XXXX actually so I don't understand why that is showing wrong I've never missed one day at the XXXX XXXX XXXX in Arkansas

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-06-30
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX Balance : {$1600.00}

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 2022-09-05
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Experian & XXXX  Account # : XXXX I tend to dispute the items above. 
The college and collection agency failed to mail me a proper notification of balances. Nor is the balance accurate or justified. The courses were dropped and I did not receive the education. Failure to send proper notification in a timely manner is extremely unethical. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the process of obtaining a mortgage through NAVY FEDERAL CREDIT UNION. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. 

On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either NFCU or XXXX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: ID Analytics, Inc.
State: AL
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 tried on numerous occasions to get XXXX XXXX to remove the security freeze from my SageStream Credit Report. Every single time, they send me a letter, wasting my time. Telling me that they can't read my driver 's License. 

This company is failing to comply with Federal Regulations that mandate that Credit Reporting agencies make it easy for consumers to freeze and unfreeze their reports. 

This is the final straw and the last bit of patience that I have with XXXX XXXX. Quit wasting my time and contact me. I want this report unfrozen and I never want to have to deal with your sorry organization again. 

You've been interfering with my ability to open a savings account with XXXX XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an 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 2019-04-28
Company: JPMORGAN CHASE & CO.
State: CA
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:
This purpose of this letter is to request assistance in recovering {$4000.00} from Chase Visa for an unauthorized and invalid charge. 

According to Chase Visa 's supervisors, Chase 's Disputes mishandled my dispute by not reviewing it carefully, continuing to request information, and allowing so much time to lapse that they dismissed the clai. 

My claim for a refund of {$4000.00} is valid because I did not receive the services as described and which the vendor agreed to. 

XX/XX/2018, I hired XXXX XXXX to redesign the color 8-course graphics. However, that is not the work she presented. 

XX/XX/2018, In an email, XXXX XXXX admitted that she did not complete the work for which she was hired, and she apologized. 

XX/XX/2018, However, within 24 hours of her apology, XXXX XXXX quit. She did not attempt to remedy the situation within 48 hours, as her contract promises. 

XX/XX/2018, XXXX XXXX helped herself to {$4000.00} of my {$7100.00} deposit without providing any design products or accounting for her time. 

I have nothing to show for the {$4000.00} withdrawn from my Chase Visa account. 

Despite the fact that Chase Visa was provided with reams of detailed documentation and two letters from an expert in the field of design validating that the services described were not delivered, Chase Visa has failed to keep their agreement to provide me with cardholder protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The banks sends out automatic notices every year to the customers to provide insurance regardless of history, loan to value etc. The bank doesn't try to get insurance policies directly from the previous year broker on file. The bank make it purposefully difficult to provide existing insurance policies and customers have to fax/upload insurance policies multiple times and confirm receipt via phone.The bank automatically creates escrow accounts knowing the majority of customers doesn't respond or provide incomplete information to their policy. The bank then charge customers for insurance policies above market rate to earn higher commissions from the insurance to take advantage of consumers. Most of the insurance policies they take out are double coverage and rates because consumers already have insurance on the property. 

In XX/XX/XXXX I realized that the bank added insurance to the escrow account for years without notifying me. All communications was wrongly sent by the bank to my tenant at the rental property which wasn't the billing address on file. The bank already had my previous policy on file knowing that the HOA cover all insurance for the policy. 

In XX/XX/XXXX I asked the bank to forward me the correspondence with XXXX XXXX to request my policy. The bank faxed me a document with hundreds of pages of sensitive information of every mortgage holder that also has a insurance policy with XXXX XXXX. 

See the attached proof of insurance for the exterior and interior of the home which I provided multiple times. The bank doesn't except the policies and keeps on charging me for insurance. 

I have multiple mortgages with multiple banks. In my experienceFreedom Mortgage is taking advantage of lower income consumers that doesn't have the expertise and resources to resolve the administrative burden that the bank creates.

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