BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After an XXXX account analysis, New Rez Mortgage company raised my monthly payment from {$1000.00} To {$1400.00} for XX/XX/XXXX payment. The payment increase is partially due to the over payment of taxes to XXXX County, Maryland by New Rez. 
On XX/XX/XXXX New Rez had paid {$1600.00} for taxes of XX/XX/XXXX through XX/XX/XXXX. Then I received another bill from the County for taxes. I immediately forwarded the new bill to New Rez through a fax on XX/XX/XXXX. In this bill the County acknowledges the receipt of the aforementioned payment, and had requested an additional payment of {$45.00} for the shortage. 
Instead of paying the requested shortage, on XX/XX/XXXX New Rez forwarded {$830.00} to the county. The county refunded the surplus of {$790.00} to New Rez on XX/XX/XXXX. So far, New Rez has repeatedly states that they don't know why the refund has not been applied to my screw account.

The Rez XX/XX/XXXX XXXX  account analysis is based on this over payment, in addition to projection of this over payment for XX/XX/XXXX.I have called their customer service many times over, and their customer service hang up on me because they are not competent to answer the simplest questions. 
I have also requested in writing for separation of XXXX account, so that I can pay my tax and insurance in a trouble free manor. So far not only they have not responded to these requests, but also have sent me an inflated bill of {$1400.00} for XX/XX/XXXX. 
Last year I complained to your agency for the similar XXXX account problem. Although New Pen fixed the problem, and I had paid my regular monthly payments each month,. they charged me 2 month of the late fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MO
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 am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and verification. I alleged that the 3 Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate removal and appropriate remedies as per the law. The account should be removed as it was inaccurate in my credit file : XXXX XXXX XXXX XXXX Balance : {$7900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UPDATE AFFIDAVIT OF FACT WELLS FARGO FRAUDULENTLY CONTINUES UNFAIR & DECEPTIVE BUSINESS PRACTICES THAT LEGAL AID OF XXXX XXXX XXXX " XXXX '' DESCRIBED DURING A XX/XX/2022 XXXX. CONFERENCE CALL " ASK A LAWYER '' AS CONTINUED FRAGRANT ABUSWE OF CONSUMERS REPORTED TO CFTC THIS CONTINUES TO INCLUDE FALSE NARRATIVE CONCERNING LACK OF HOMEOWNERS AVAILABILITY BY PHONE TO DISCUSS THE " ISSUES '' THE " ISSUES CONTINUE TO BE THE INFLATED COST OF ESCROW THAT DOES NOT COMPARE WITH THE XXXX XXXX OFFICES FOR TAXATION, THE INSURANCE COMPANY CONCERNING COSTS TO INSURE AND MOST RECENTLY THE DISTRUBING ISSUE THAT WELLS FARGO ACQUIRED A " STRUCTURALLT DAMAGED PROPERTY MORTGAGE '' FROM XXXX XXXX WHO MISS REPRESENTED PROPERTY VALUE DUE TO THE STRUCTURAL DAMAGE THAT HAS LITERALLY SHOULD PLACE THE PROPERTY FOR CONDEMNATION UNTIL EITHER RESTORED ( WHICH IS NOT SUSTAINABLE BY THE OWNERS ) OR DEMOLISH THE STRUCTURE & SELLING THE LAND @ A VERY HIGH VALUE. THE LATTER CAN NOT BE ACCOMPLSIHED UNTIL THE PROPERTY IS RAZED. 

WELSL FARGO HAS REFUSED TO INTERVENE & PURSUE WHAT SHOULD BE JOINT DAMAGE WITH THE OWNER TO SECURE DAMAGES BECAUSE XXXX XXXX  LIB AILITY IN VIOLATION OF STATE OF NEVADA REQUIRED DISCLOSURE LAWS. 

WELLS FARGO PER THIS AFFIDAVIT HAS REFUSED TO COMMUNICATE SOUND FINANCIAL FIGURES FOR THE ESCALATION OF ESCROW & UTTER VIOLATION OF THE AUTOMATIC WITHDRAW OF FUNDS SINCE ACQUIRING THE MORTGAGE FROM XXXX XXXX. 

WELLS FARGO MUST REIMBURSE XXXX XXXX FOR THESE INFLATED WITHDRAWS THEY MUST INSIST THAT XXXX XXXX BE HELD ACCOUNTABLE FOR THE FRAUD THAT THEY HAVE IMPLEMENTED & AS A RESULT PROVIDE DAMAGES TO BOTH WELLS FARGO & XXXX XXXX PROMPTLY & WITHOUT DELAY. 

FURTHER EVIDENCE OF FRAUD : @ THE VERY LAST MEETING BEFORE XXXX XXXX DISAPPEARED & WAS A NO SHOW TO MEET @ THE XXXX XXXX XXXX XXXX XXXX STATED THAT EVERYTHING WAS FINE & THAT THE APPLICAITON WOULD BE APPROVED BEFORE THE HOLIDAY! 

HIS DISAPPEARANCE WAS BOUGHT UP TO ASSUMING SUPERVISOR WITH NO AFFIMRATIVE ACTION- ITS LIEK THE MILLION PLUWS FRAUDULENT ACCOUNTS THAT WELLS FARGO XXXX IN A XXXX XXXX XXXX PROGRAM! 

THEY CHOOSE NOT TO ADDRESS IT- BUT STATE FALSELY THAT FINANCIAL INFORMATION REQUESTED WAS NEVER PROVIDED. 

WHAT IS THERE EXPLANATION FOR NOT CLOSING ON TIME THAT COSTS XXXX XXXX {$1500.00} IN EARNEST MONEY?

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 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting XXXX charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the XXXX accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, XXXXre a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX  XXXX unit XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

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 2023-05-17
Company: Experian Information Solutions Inc.
State: NY
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:
This is my second complaint. I am not going away. 

XXXXXXXX XXXX is incorrectly reporting two late payments in XXXX and XXXX of 2021 and an incorrect date of my account 's closure upon entering a XXXX XXXX XXXX. I have filed multiple disputes with evidence to the credit bureaus, but nothing has changed on my report, and these erroneous late payments which appeared more than a year after the months in question had passed are harming my score and were maliciously added to my financial profile. I consider this to be defamatory. XXXXXXXX XXXX  has also declined to grant a " good will '' adjustment. While that is certainly their right, and although they are under no obligation to honor such a request, extending a morsel of mercy is within their power.

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 2023-08-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, 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:
To Whom May Concern Good Morning, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue. 

Attached FTC Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion XXXX XXXX XXXX XXXX XXXX ( TransUnion SmartMove ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation. 
Case Numbers : XXXX and 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 2023-07-20
Company: EQUIFAX, INC.
State: NJ
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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Date Opened : XX/XX/2022 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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2023-08-20
Company: EQUIFAX, INC.
State: NY
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  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 non-monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
OnXX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact XXXX parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX XXXX  of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX, XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX XXXX prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY

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