BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-03-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX  continues to report misinformation to XXXX and Equifax despite my request to have this information removed and corrected because any debt to this company is a result of identity theft. I have filed reports with the IRS regarding the fraud XXXX and XXXX have committed by reporting this debt to the IRS as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My account number is not indicated on my statement. 

My statements do not show the correct amount of interest paid for the calendar year. The individual payments online show the interest paid per payment, but there is no total indicated anywhere. My statements also show the individual amount paid, but then indicate {$0.00} interest paid for the calendar year. 

When contacting the company XXXX regarding their information being incorrectly shown, and not readily available, their response was to individually look up every single payment and total the interest myself based on that history. I advised this is not an acceptable solution, as their statements which can be downloaded and saved are incorrect and do not indicate the interest paid per year. I was told to then go online and look at individual payments ( again ). Then I was told I needed to request that yearly summary from XXXX directly to receive the total interest paid if it was less than {$600.00}. So I requested a copy of this yearly statement ( as they had literally just told me I needed to, though this is not listed on the website anywhere ) and was told " you will be able to access that information online at any time ''. She is giving me the runaround through the entire conversation. 

I then repeated that the statements online are incorrect. and she copied and pasted a blurb about the XXXX ( not the XXXX which I was asking about ) and how to dispute the XXXX I repeated my requests regarding incorrect statements and the yearly statement that apparently you have to request, and is not provided otherwise. Her response, " The loan is paid in full, what needs fixed? '' I am beyond frustrated and have asked to speak to a manager in which I am told I must call in, or request a call back within 48 hours. 

I have never been more frustrated, and provided incorrect information with zero answers to my questions. I have 3 other loans with XXXX in which ALL of the requested information is not only provided on their website, but is easily accessed, totaled per calendar year, and life of loan, as well as correctly indicated on their statements that are available to be downloaded. 

It is completely ridiculous that they are refusing to correct their statements which show the wrong information, when these statements are a more standard and reliable source to show the interest paid compared to screen shots of every single individual payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint has refused to explain in detail the fees incurred or added since they began servicing my loan. 

Shellpoint sent a letter dated XX/XX/XXXX indicating a negative balance of escrow in the amount of {$40000.00}, claiming for period XX/XX/XXXX to XX/XX/XXXX yet, they have not provided a breakdown by month and year and cost for escrow which totals the amount claimed. 

I have sent multiple request to Shellpoint requesting a breakdown and they just keep claiming the same and providing a loan history spreadsheet, yet there is no highlighted portion that explains the cost and total for the negative escrow balance. 

There is also a discrepancy on the total amount since Shellpoint sent another letter dated XX/XX/XXXX indicating that the negative escrow balance upon transfer was {$25000.00}. 

I have asked for the correct negative escrow balance and Shellpoint has refused to provide this information to date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above. 

In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part. 

The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is  demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X. 

Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the  home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
I noticed unauthorized inquiries and accounts on my credit report. It appears someone must have applied for something in my name. I have sent several disputes to remove these discrepancies. However, I have had no success in my attempts. These inquiries and accounts are fraudulent, and I would like for you and your team to have them removed. ( XXXX XXXX XXXX XXXX XXXX {$8800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$1800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX for {$550.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$470.00} date XX/XX/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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2020-03-10
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 I was contacted by my father saying that someone had called him and my aunt looking for me. I have not had contact with either of them in a few years and was shocked as to how that happened when I myself do not have any contact numbers for either of them. I got the number and called. I also looked the number up but no information was found on it. XXXX. The lady informed me that she was representing a company called XXXX on behalf of the Cash Store and that they had no website or any public information. She said they were hired by the cash store to collect XXXX from me and that if I couldn't pay today using a debit card that they would come to my job and serve me. She said they will find my place of employment by using my social the same way they used it to find these numbers to contact relatives I myself do not have communication with. I asked her why any personal business matters or information was shared with a third party and she said " do you have the money today or not if not we are on our way to serve you at work. '' I told her I did not and she hung up in my face. How am I supposed to give out personal information to some random person who doesn't even have a way to verify they run a legit business? Furthermore, you are practicing illegal actions by providing ANY information to anyone aside myself. She even went as far as telling me my full social after asking me to verify the last 4 digits. Ma'am you are supposed to ask me to verify not tell me the entire number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Closed on a real estate deal Friday XX/XX/2020. Funds were wired from Title Company 's Wells Fargo Account to my Wells Fargo account at XXXX of that day. Funds were to be posted that day. It is now Tues XXXX, XXXX and funds are not only not there but Wells Fargo seems unwilling to help even with the XXXX   tracking #.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: VA
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:
Someone from XXXX XXXX  ( my current lender ) called me unsolicited on XX/XX/22 and said that they wanted to see if they could find me a better mortgage option. I told them that was fine. Two days later my credit monitor reported that XXXX XXXX  had done a query on my credit report which will impact my credit score. The person from XXXX XXXX  NEVER said they would be doing this and I never gave permission for it. Additionally, they hit my wife 's credit report as well and they never even spoke with her, so they certainly did not have authorization for it. Someone from XXXX XXXX  called on XX/XX/22 and when I complained they tried to tell me that I should have known that their agent would do a credit lookup and then started asking me what I was going to use my credit for and whether I was looking for another loan of some sort at that time. IT'S NONE OF THEIR XXXX BUSINESS. IT'S **MY** CREDIT SCORE. 

These are deceitful business practices and they should be stopped. They should disclose what's involved with their " offer ''. I want them to mitigate the impact to my wife 's and my credit scores. And to never do this again.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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:
I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the XXXX XXXX XXXXXXXX I know a thing or two about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on 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 explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 section 602 A, states I have the right of privacy.

-15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish information on an account without my written instructions.

-15 U.S.C. 1681 C ( A ) ( 5 ) section, states that 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 antedated the report by more than seven ( 7 ) years.

-15 U.S.C. 1681 S 2 ( A ) ( 1 ) states, a person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2020-03-10
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took Martgage Loan from XXXX XXXX XXXX  ( XXXX ) in Feburary 2018. As per terms of of loan I should keep updated Insurance policy.Accordingly my contractor who is constructing the home took Certificate of Liability Insurance policy showing me as Insurance certificate holder. This policy was accepted by XXXX, the lender. 
In XX/XX/2018, the company under the name of Mr.Cooper purchased the mortgage loan from XXXX on the SAME TERMS & CONDITIONS. Their Loan # is XXXX. Mr. Cooper asked me to submit DECLARATION PAGE for the Insurance Policy, which I provided. 
Now they says that Mr. Cooper IS NOT REQUIRED TO ACCEPT the Insurance doucument as evidence of Insurance. They were claiming Insurance from me in their monthly bills even though they have the Insurance policy for the period. When I challenged them about this insurance amount they are charging ( Included in Escrow amount ) even though they have not purchased any Insurance policy on my behalf, they sent me a copy of insurance policy purchased on XX/XX/2018 BUT EFFECTIVE FROM XX/XX/18 ( BACK DATE ). Further this policy they purchaded in the name of privious lander ( XXXX  ) without informing them or me. Previous lander never claimed any premium from me for this policy. Mr. Cooper claimed $ XXXX for this policy, After the house was completed I purchased Home Insurance policy for a yearly premium of $ XXXX for the year ( as against their charge of $ XXXX ) This policy has been accepted by them. 
As They purchased my loan from previous lander ( XXXX  ) ON THE SAME TERMS & CONDITIONS, which include Insurance Policy accepted by previous lander, they have no right to change the terms of contract. 
It is requested to explain them to accept the previous policy & refund me the excess amount they charged. Their E-Mail address is XXXX OR XXXX. My loan account with Mr. cooper is XXXX, their postal address is Mr. Cooper, XXXX. XXXX XXXX, XXXX-TX-XXXX-XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-03-13
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, 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 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 response to consumer: Closed with explanation