BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or delete the following items that are harming my credit. 
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 non-monetary relief
Consumer complaint received 2020-12-30
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing ( NewRez ) is my mortgage servicer and supposedly paid my property taxes on XX/XX/20 in the amount of {$4900.00}. The collections group for my area informed me on XX/XX/20 that I had yet to pay the taxes on my home. I contacted Shellpoint and for four weeks not a SINGLE PERSON in their company has been able to tell me even the most basic information about the payment : Was the check cashed? What was the check number? Were my taxes sent with other taxes? If so, what was the total amount of that check? Where is this money now? Why was it not debited back to my escrow? 

Due to the fact that my taxes are now 3 months late, I owe an additional 12 % of face value as a penalty. 

Currently not a single person at this company can located the {$4900.00} or tell me where this money was sent. Additionally, I am continually told that I am not allowed to speak with anyone from the tax department that is able to help resolve this issue, as it is 'against company policy. ' For almost 4 weeks I have worked tirelessly to contact them and get information and resolution to this problem to no avail. 

My taxes are now being sent to collections and my servicer continues to not take any action toward resolving this issue. 

I believe it is likely that this is a criminal organization that is mis-appropriating escrow funds and lying to homeowners about where their taxes are being sent. 

To any futures homeowners : prior to signing your mortgage, ensure a clause is included that prevents the mortgage or mortgage servicing rights FROM EVER BEING SOLD TO SHELLPOINT MORTGAGE SERVICING or any of it's successors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In early XX/XX/2023, I met someone on XXXX who was providing a service to me that I paid for through several transactions. On one of our last interactions, the person requested that I pay to have something created and she did not send the product to me as promised. I never received it in the mail and she made it clear that she did this intentionally and that she wasn't going to refund me. She's made several cash app accounts over the course of doing business and I believe this was done to set up the scam and prevent herself from being held accountable. I reported her accounts and requested help from cash app after this happened and they basically told me they weren't going to do anything. Not even about her conduct creating several accounts in an attempt to defraud me, and probably other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 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 2018-04-04
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: Was not notified of investigation status or results

Complaint:
I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in 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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 
XXXXXXXX XXXX XXXXXXXX, # XXXX, 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 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 2021-01-05
Company: EQUIFAX, INC.
State: CA
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions 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:
Experian, I have been having a major problem regarding Experian Credit Report Agency not completed the investigation accurate and I have requesting in writing the items be deleted based upon the credit bureau 's lack of compliance with the Method of Verification Process. I have disputed this account over 20 or 25 times since XXXX. 

i have sent them method of verification on XX/XX/XXXX and they did not even investigate at all. 

the creditor keeps changing the date of remove in the status detail area..

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 2023-09-08
Company: Westcreek Financial
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Koalafi lent me XXXX through XXXX to repair my car in XX/XX/XXXX and on XX/XX/XXXX I had already paid XXXX covering the credit in its entirety and with a higher value, I contacted them by phone to settle my credit and they told me that I must continue paying until XX/XX/XXXX, in this way they would be charging me an interest of approximately 110 %, It seems unfair and exaggerated and if I don't continue paying they will ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting.

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 2023-11-11
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. 


Account Name XXXX 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 non-monetary relief
Consumer complaint received 2020-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written several letters to Portfolio Recovery Associates asking them to verify 4 debts that they are requesting me to pay. All this company do is send me a bill with the amounts of XXXX, XXXX, XXXX and XXXX. I have asked them to send me documentation bearing my signature that this debt belongs to me. My last letter was dated XXXX and once again I was sent a bill nothing validating the debt. This violate my right under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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: Investigation took more than 30 days

Complaint:
I filed an FTC Identity Theft Report on XX/XX/XXXX stating that there is a bankruptcy on my file that I do not recognize and am not sure it is mine. The FTC Report number is XXXX. I faxed a copy of this report to XXXX, XXXX, and EquiFax. I invoked FCRA 605B ( 15 U.S.C. 1681c-2 ) with XXXX, XXXX, and Equifax Both XXXX and XXXX removed the bankruptcy from my credit report with the time required by this statue.

I contacted Equifax on XX/XX/XXXX to find out the status of my dispute. The female representative when on to say, Even though its an identity theft claim, a 30 day re-investigation process is required. '' I requested to speak to a Supervisor, and I asked him about the status of my dispute. Supervisor XXXX repeated the same statement the female representative told me. I mentioned FCRA 605B ( 15 U.S.C. 1681c-2 ) and informed Supervisor XXXX  they had 4 days to remove this from my credit file. Again, he stated they have 30 days to verify the claim. I informed supervisor XXXX   that FCRA 605B ( 15 U.S.C. 1681c-2 ) superceds the 30 day dispute timeframe.

As of the writing of this letter on XX/XX/XXXX Equifax has still not removed the bankruptcy from my credit file. Their delay is impacting my real estate business from securing a loan to run my business.

How can Equifax violate US Federal law and do what they want when the statue is very clear as to what they must do to comply with the law.

I also sent Equifax an Intent to sue letter for failure to comply with FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: CMG MORTGAGE, INC
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have our mortgage with CMG Financial. They had applied a payment incorrectly that they received XX/XX/XXXX. I made a payment in XXXX while waiting for them to fix the original payment and they made a dual in XXXX. We filed for a forbearance due to COVID and not being able to work for 2 weeks and with our payment being pulled twice really put us in a difficult financial situation. The forbearance was filed XX/XX/XXXX. I contacted them XX/XX/XXXX and discussed a deferment. XX/XX/XXXX I called to check on the deferment and was told there is no record of me applying. I requested to apply for the deferment again and was told it could take up to 30 days to process. I did not hear from them or receive any documents so I called back in XX/XX/XXXX. Again I was told there was no record of my applying for a deferment I asked of there was a paper application or something I could do differently to ensure the deferment application is filed and was told no that they would ensure it gets taken care of. I still did not hear anything from CMG I called on XX/XX/XXXX and spoke to a manager after being told they do not have anything on record of me ever calling or applying for a deferment. They discussed foreclosure or shortage and asked if I could pay the entire XXXX this day. When the manager got on they stated that there was a mistake and she could see my application and I was approved for the deferment and I would be receiving documents in the mail. I called back in today to make XXXX 's mortgage payment because it won't let me online and again was informed there was no record of an application for a deferment. I contacted a housing counselor who called in with me and after speaking with the housing counselor the representative from CMG with employee ID number of XXXX stated he needed to document some things and he would be right back with us and put her on hold for 45 minutes and never came back on the line. They can not apply the payments I have made correctly, their online banking won't let me make a payment online, and they refuse to file my deferment application. I honestly do not know what to do to make my mortgage payment and not have my home foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: OH
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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to the 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 has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 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 explanation
Consumer complaint received 2023-09-08
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Car should've been refinanced but never received an explanation on what exactly happened

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