BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage paymeny increased approx. {$600.00}. The mortgage company indicated that my escrow account did not have enough to cover property tax increase. 
I have spoke with several different mortgage reps. Its like a game of tag ( pass customer ) get them realy confuses or XXXX. 
I do not want to loose home to fore closure. A refinance counselor mentioned that I should ask if the mortgage would remove my Mortgage Insurance. He indicted that by the FHA guidlines a customer is requiredto make the payments for 5 years. Is there ant truth to that? I have been paying for over 5.5 years.. ( HELP )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX PayPal limited my account. I made a complaint here and they apologized that it was by mistake and removed this limitation on XX/XX/XXXX. 
Once I started using my account again on Sunday XX/XX/XXXX, they did it again and limited my account again on XX/XX/XXXX after they provided this information to CFPB and closed the previous claim. 

My account is useless again, and this is so frustrating, I cant add, withdraw or move any money or even access the message center to send them any messages again or reply to there previous email when they said that this was a mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have several accounts on my credit report that are not reporting correctly. I am disputing that information with all three credit buraus and Experian keeps refusing to investigate my disputes and is sending me these emails stating that the dispute is not coming from me. I have sent them letters stating it is me, with my personal information, copies of my ID, Social and Utility Bill that they requested to verify my identity and they still refuse to investigate my disputes. When I call the number provided in the email, it's just a loop and you can never get a hold of a human being to verify your identity. This appears to be a scam to force me to pay for their credit report and service and are refusing to help me until I give them money. It's my understanding, reading the CFPB, website that they are required by law to investigate my disputes for free without me having to pay them money.

Company response to consumer: In progress
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo repossessed my XXXX after I had made payment arrangements with them.

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 2023-04-13
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i have reported harris and harris already because they were calling everyday i dont owe any debts so am not sure who they are calling for now they call let it ring twice and hang up the number is XXXX area code XXXX XXXX please make them stop calling period thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Good day, i was looking at my report and noticed and an unauthorize inquiry that i didn't give authorization for, please can you kindly take this of my credit report? ( delete ) According to the F.C.R.A ( Fair Credit Reporting Act ) legall this unverified and Unauthorized items must be remove,

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 2023-03-01
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-11-18
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: In progress
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN HAS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSTANT COMMUNICATION WITH XXXX XXXX XXXX XXXX HAS AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, EXPERIAN HAS YET TO REMOVE THIS ACCOUNT. XXXX XXXX AND XXXX HAVE BOTH REMOVED THIS ACCOUNT BUT EXPERIAN HAS NOT. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY.

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 2022-10-08
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:
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, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX 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 instructio

ns 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 he 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 2023-01-04
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-26
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am facing foreclosure upon that notification I decided to sell the property. I reached out to Shellpoint Mortgage company and they notified me that my home was eligible for a conventional sale because of the accrued equity. I was also told that if specific conditions were met that the foreclosure date could be stopped or extended. Those conditions were as follows : A signed contract on the home, Proof of funds provided by a bank and a HUD payoff letter confirming full payoff of the mortgage. I have provided this information to Shellpoint Mortgage company a total of 5 times both by email and fax however none has uploaded this information to my file and no one has attempted to assist me in moving forward with the sale of my home. I have yet to be assigned a direct point of contact that can answer questions or help me in any sort of way. I feel as though I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ) XXXX Collection {$890.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX  XXXX Charge-off {$5500.00} XXXX  XXXX Charge-off {$140.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/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 explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: AZ
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:
I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bus Admin XX/XX/XXXX I also have a fraud alert on my credit profile as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I filed a dispute for charges that were not authorized. 

Chime immediately denied my claim. 

I filed a rebuttal claim and was told by a supervisor that he had no idea why my claim was denied and that he was resubmitting the claim to have a provisional credit released to my account. I waited over a week and nothing was credited. I then asked for proof as to why my claim was denied and Chime sent me in circles via email for weeks with no resolution to my rebuttal claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion is reporting An account that no knowledge that is an inaccuracy on my credit I have sent them several letters and the issue was not rectified as yet

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 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts and I have a right to privacy. 

I have asked for investigation results and proof that the accounts in question are valid multiple times and have received no such proof. 

This is a request for an investigative consumer report, which means a consumer report or portion thereof in which information on my character, general reputation, personal characteristics, or mode of living must be obtained through personal interviews with neighbors, friends or associates. 

The accounts must be permanently deleted if they are not 100 percent correct and accurate.

Please investigate these accounts. Please provide proof that they are 100 % correct. Please do not send me results again saying they are valid without proof of validity. 

I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Please provide proof that you have conducted interviews with my neighbors, friends and associates on my general character, general reputation, personal characteristics, or mode of living. Absent such proof, you must immediately and permanently delete the accounts in question. 

Please stop violating my rights to a true and thorough investigation. 

Sincerely, 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 2023-09-15
Company: Affirm Holdings, Inc
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased an item from a company that went out of business and did not recieve my item. I completed payments on my Affirm loan on XX/XX/XXXX. 

Affirm first claimed they couldn't help me because I was outside of the 60 day resolution window and I would have to contact the merchant. The merchant is closed. They reopened the case. I provided proof of purchase and proof of business closure. 

I disputed the Affirm payments with my bank, who ruled in my favor since the company had closed, I didn't get my item, and Affirm was non-responsive. I was credited that money back. 

I am now receiving repeated contact from Affirm falsely stating that my loan has fallen into delinquency and will be reported to the credit bureaus as unpaid while my case is still under investigation. I was previously advised by Affirm to NOT make any payments while my case was being investigated. 

I have filed a dispute with XXXX because Affirm is reporting a non-payment, even though I did not receive the item I financed. 

I called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and informed them that if they kept emailing, texting, and calling to collect while my case was in dispute and under investigation that I would report them to CFPB for false reports and continued harassment. They are continuing to contact me. I have emails and texts dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on 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