BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Roundpoint is holding over XXXX of my money and refuses to apply it to the multiple mortgages I have with them. It has been XXXX months since my checks were cashed and Roundpoint refuses to give me XXXX for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a XXXX XXXX XXXX pursuing XXXX XXXX, I have sustained XXXX XXXX because I have been denied XXXX due to the misreporting by Roundpoint. Roundpoints misreport has caused my credit score to crash more then XXXX points. Roundpoint is charging me interest on principal I have paid, denying me of XXXX XXXX in my XXXX XXXX. Roundpoint has violated both civil and criminal statutes in the State of California.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Minnesota XXXX XXXX child support has an account that i cant access, became secondary and ive been making payments on my child support but its not reporting it correctly. ive been paying child support thru the XXXX  child support log in account. ive tried calling and nobody has an answer on how i can pay for both child support cases thats under XXXX child. im paying the stepfather and mother but only the mothers dont get reported .... its hurting my credit score i had 100 % not long ago. now because of the wrongfull reporting i look really bad. i really have been paying my child support you can look it up. child support is not reporting correctly and they told me that they cant do nothing about. im paying my child support and the system says no data or ive missed XXXX payments? im trying to understand why? this is my first time ever complaining and im XXXX old please anybody

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX XXXX and Trans Union did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX Trans Union XXXX violated my rights

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 2023-01-09
Company: EQUIFAX, INC.
State: PA
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 is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different credit amounts {$350.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2017, I verbally authorized a telephone payment of {$630.00} to WELLS FARGO DEALER SERVICES. They withdrew {$930.00} - I did NOT authorize this payment. I have reached out numerous times to them to determine how this could have happened. To date, wells fargo has not responded..

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 2023-09-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 we wired XXXX to someone posing as the paralegal for our closing attorney, XXXX XXXX XXXX XXXX XXXX SC. We did not reali3 we were defrauded until 2 days later when the closing attorney said they never received our wire. We immediately contacted Chase Bank to try to retract the wire but they were not helpful. We also contacted the FBI who tried to figure out who was hacked- our email, the realtors email? or the closing attorney 's email. We hired a lawyer who tried tried to help us recover the money & they feel we should have some protection from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
had someone hack my debit account around XXXX pm on XX/XX/XXXX I attempted to call the bank. Instead of receiving help, I was put on hold whilst the thieves were still trying to steal my money. Therefore, I reported my card stolen to stop them. I called the bank the next morning. They said they were issuing me another card. I talked to someone at BBVA Compass on the phone on XX/XX/XXXX who told me someone copied my card from a gas pump. I received my new card on XX/XX/XXXX, but it wo n't activate, because the bank says they have closed my account, and they wo n't give me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days

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 2023-09-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
From XX/XX/XXXXXXXX  until present my tax payment has been collecting {$650.00} monthly based on an estimated tax of {$7800.00}. I'm not sure what their estimate is based on, but the XXXX  taxes that were paid when I closed on the house was {$3600.00}. I called the county and they said based on the new tax estimate the mortgage company should be able to make and adjustment. I called the mortgage company on XX/XX/XXXXXXXX  and asked how to have it adjusted. They said to send the proposed property tax that I received from the county, and they would review it and make the adjustment. I scanned it in and sent it in as requested on XX/XX/XXXX. I called and spoke to XXXX, who said they received the document, but the new payment was not based on a reassessment. She said that I could reupload it and give them until XX/XX/XXXXXXXX  to reassess the taxes. I called again today XX/XX/XXXX, and they said they would not adjust it based on the fact that the documentation was an estimate not an actual tax bill. It can not possibly be legal for them to estimate over twice what the tax is, collect on twice what the tax is, and continue to collect twice the amount, when I have documentation showing the max  tax would be {$4800.00}.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: VA
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:
After notifying Experian that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Experian, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Experian verify? Additionally, Experian refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Experian has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Experian refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX   XXXX {$1300.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$62.00} XX/XX/XXXX XXXX XXXX {$84.00} 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 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In order to REMIND Equifax and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax and XXXX BUREAU MUST DO THEIR JOB PROPERLY and immediately remove of these fraudulent accounts. 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This Credit Reporting Company sent me a letter saying they were not going to complete and investigation because they needed proof of identity, address, and my FTC Identity Theft report. Items that I have sent several times and they have on file! This is an obvious stall tactic and is very dishonest. The fail to identify to me what dispute their letter is in reference to.

Please Credit Reporting Company personnel save these documents and use them as you need and stop behaving like you don't have them! I expect my complaints to be address within 30 days. Stop trying to reset time.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately. 

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of. 
Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2023-07-28
Company: EQUIFAX, INC.
State: MO
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: IL
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:
CFPB XXXX has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( XXXX ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( XXXX ) ( XXXX ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( EQUIFAX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( XXXX ) INQUIRIES ONLY XXXX not fraud over XXXX yrs DELETE XXXX XXXX XXXX  please delete old addresses that not on my government ID 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 non-monetary relief
Consumer complaint received 2019-09-11
Company: EQUIFAX, 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 am a fraud-victim of the XXXX and Equifax Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Convergent Resources, 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:
This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with Convergent Outsourcing account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.

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