BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, TransUnion who are furnishing inaccurate and unverified information on my consumer report. 

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXXXXXX XXXX XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. TransUnion the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT XXXX  TransUnion has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-09
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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX  XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX ( XX/XX/2022 )

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 2021-12-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am making a complaint concerning Inquiries that are reporting on my account. I have contacted Experian, XXXX and XXXX about unauthorized Inquires. My rights are being violated and I am being ignored, after several attempts trying to solve this issue. According to code : 15 U.S. Code 1666- Correction of billing area, the Bureaus above are breaking the law. 

I have not received any Verification showing I authorized accounts. Sending me letters saying verified does not verify that the accounts are legally and lawfully reporting. Pleae delete all inquiries that are not authorized.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: OH
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-02
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Mosaic Loan and XXXX XXXX ( solar company ) Loan Amt : XXXX at 3.9 % interest. 
XX/XX/ Solar sales person named XXXX did his sales pitch and was advised that we have 2 weeks to cancel and may disregard whatever is in the contract because he has control over it and can extend to 2 weeks. Applied for loan and solar and schedule an roof inspection on XXXX XXXX roof inspection was done ; I clarified with XXXX if battery is included in the quote for which is not and only XXXX will be installed instead of XXXX. 
XXXX, I cancelled XXXX XXXX for cancellation ; I found out that there are only 3 days to cancel. 
XX/XX/ emailed XXXX XXXX because there is no confirmation and email mosaic Loan that project will not push through. 
( Couple of phone calls are made every week on this period and XXXX XXXX promised that they will cancel but it takes 30-60 days for it to be cancelled, Mosaic Loan would not acknowledge unless they received a communication from XXXX XXXX that the loan is cancelled. ) XX/XX/ Mosaic Loan sent an email that XXXX XXXX informed them that the solar project will continue. I called Mosaic Loan and I found out that on XX/XX/ Mosaic Loan Released a fund to XXXX XXXX  without informing me. Mosaic Loan said that they have a voice recording of " welcome call '' that confirms my identity and acknowledging my loan. I checked XXXX XXXX XXXX call history but no call was made in my phone number aside from personal and work numbers. XXXX XXXX refuses to coordinate at this point. Hence, I have a loan with no solar panels. To whom they find the voice recording of my name without their phone number registered in XXXX XXXX XXXX call history is fraud. 
In the contract, it is stated that I can cancel even after cooling off period ( 3 days ) but need to pay for whatever was done. In my case, only roof inspection was done which is a preliminary process if my roof is qualified for solar. I understand that they need funds in order to start with the project. However, to release a fund before roof inspection is done is unacceptable. What if my roof is not qualified?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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: Old information reappears or never goes away

Complaint:
I sent several letters to XXXX disputing an account that does not belong to me. After I filed a complaint with the XXXX, they deleted the account in early XXXX, but then it reappeared XX/XX/2021. They never sent the official deletion letter, but third party reporting agencies such as XXXX and XXXX shows when it was deleted, and when it reappeared. It seems as if they simply wanted to appease the XXXX complaint. 

The account in question is : XXXX XXXX XXXX Account number : 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Torriere Holdings INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/ from " Spire Recovery Solutions '' stating that they are trying to collect a debt that I owe to " XXXX XXXX XXXX XXXX '' in the amount of {$1900.00}. 

I have never heard of " XXXX XXXX XXXX XXXX ''. I have had no contact with that company, and have never taken out a loan or debt with them. 

I have taken action to formally dispute the debt with Spire Recovery Solutions. I submitted my dispute through their website at " https : //spiresupport.freshdesk.com/support/tickets/new '' and I have mailed my formal dispute to them. 

So far I have not received resolution to this fraud claim. 

I also had credit freezes in place with XXXX, XXXX, and XXXX. I have placed a fraud alert with all 3 agencies to try and help prevent against similar cases of fraud like this in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.

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 2023-09-03
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed with the credit bureau they validated the debt electronically. Disputed directly and was never provided with validation. Debt is unknown. I have never done business with XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Donut, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Donut, Inc is a XXXX " XXXX '' account that converts USD to a stablecoin and in turns lends those funds to the open market for a 6 % return on your money. It heavily promotes its safety, level of liquid reserves, over collaterilization and diversification. I currently have $ XXXX in this companies accounts for which they have frozen 95 % of my money and 100 % of ALL USER 's money claiming that 95 % of there assets are held in XXXX XXXX which was affected by the XXXX fall out. DOnut also maintains that they have 100+ % liquid reserves ( XXXX XXXX XXXXXXXX ). The alos promote 125 % over collateralization. They make claims like " Our partners lend your dollars at high interest rates through a global, decentralized pool of borrowers. We use highly collateralized platforms such as XXXX and XXXX to ensure your money is secure. '' They have a lenghty set of terms bu in # XXXX of the XXXX XXXX XXXX it says " If you don't agree to these changes or no longer wish to abide by these Terms of Use, you can let us know and we'll close your account. '' - but they won't give anyone their money back.

Additionally, and still now, on the front page of their site they still promote, " Add or withdraw money anytime. No lock-ins or annual commitments. '' It's now been 2 months and everyone 's money is locked up, not earning anything and they continue to claim they have over 100 % liquid reserves. They only agreed to release 5 % of customer 's deposits about a month ago. So 95 % is still locked up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
NewRez LLC/Shellpoint continues to openly defy and ignore new XXXX regulations despite of their full knowledge of the fact that cumulative cap does not apply to disaster payment deferral or a XXXX payment deferral. 
( See attached exhibit A and B ) Simply stated the prior XXXX  XXXX payment deferments are NOT included in cumulative cap and can NOT be used as a basis for denying the current 3 months deferment request. 

NewRez LLC/ Shellpoint does the OPPOSITE. NewRez LLC/Shellpoint uses a prior XXXX XXXX payment deferment as a basis for denying the current 3 months request. 

I have not used any of the XXXX allowed to be deferred 6 months of payments based on XX/XX/XXXX XXXX  guidelines. 
XXXX regulations specifically exclude prior XXXX XXXX issued deferments as a basis for which NewRez Shellpoint can deny the current 3 months deferment request. 

There is NO CAP that Shellpoint can rely on to to justify their refusal to provide a current payment deferment because cumulative cap does not apply to disaster payment deferral or a XXXX payment deferral. 

XXXXwRez LLC/ Shellpoint simply ignore the fact that the previous 21 months XXXX  XXXX deferment as a result of XXXX XXXX  XXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to XXXX shut downs and shelter in place and XXXX  XXXX deferment can NOT be used as a basis for You have exhausted the maximum amount of allowed deferred payments ; therefore, the loan does not qualify for an additional XXXX deferral due to XXXX. ( Shellpoints prior letter dated XX/XX/2023 ). 


NewRez LLC / Shellpoint continues to operate in direct violation of federal regulations despite of their full knowledge of the exclusion of the cumulative cap on disaster payment deferral or a XXXX payment deferral. 

This is a formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC XXXX Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a XXXX payment deferral when NewRez LLC / Shellpoint is aware that as per XXXX  regulations the cumulative cap does NOT apply to disaster payment deferral or a XXXX payment deferral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
the seller refused to provide a notice of sale prior to the repossession and is refusing to provide the detailed auction statement for the vehicle.

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 2023-04-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint to formally dispute the fraudulent inquiries listed on my credit report. Despite my attempts to have them removed over the months, these inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been over a month since I began disputing these inquiries, I expect immediate action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I was trying to purchase a teacup yorkie puppy that was supposed to be shipped to me. XXXX XXXX shippers told me that the puppy would need a specialize crate to fly in and i could rent this crate for {$910.00} upon which would be refunded to me once the puppy was delivered to my home. The funds were drawn from my XXXX XXXX account from my credit union to my PayPal account. We later found out that this transaction was a scam. PayPal is still holding these funds ; they claim that my credit union would have to do a chargeback then they would comply. I received a letter from my credit union on the fourteenth and according to them visa is a pee-to-peer payment processor and is responsible only for the transfer of funds, the service is not intended to be used to purchase goods and services. they suggested I seek compensation from the individual and they will not issue me a credit. 
the individual will not respond to me or PayPal because they know we have found out this is a scam. So now PayPal will not even return the money because there is no protection through friends and family that the individual told me to use to transferer the money the case is still in dispute with PayPal. I did explain to them that my credit union can not do a chargeback PayPal insist that they can. Paypal did refund the {$810.00} back to me that were supposed to be for vaccines for the puppy to fly and this transaction went through friends and family so I am not understanding why I can not get my {$940.00} back for the so-called crate that I rented. This is a shipping company called XXXX XXXX shippers out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
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: Account information incorrect

Complaint:
I am filling a Complaint against XXXX XXXX XXXX for InCorrect marks on my credit file This car was total loss XX/XX/18 and I had full coverage insurance the insurance paid them They received a check from the insurance company and I do not have access to this car the car is not in my possession the car is in XXXX XXXX possession and they have reported to Equifax I have not made a payment on a car I No longer have this is fraudulent information being reported on my report this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Background : XXXX XXXX XXXX XXXX by Citi Customer Service emailed and informed me that the XXXX membership must be renewed by XX/XX/2023 or the credit card will be closed. However, if they close my card, it will affect my credit score, so I contacted Customer Service at XXXX to request to switch or convert the card to another Citi credit card to avoid decreasing my credit score. 
Issue : The Customer Service told me that they refused to switch or convert the card to another and forced me to continue XXXX membership to avoid decreasing my credit score. It is a threat to the customer who does not want to keep the membership but the credit card and credit history.

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