BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Shellpoint Partners, LLC
State: MD
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:
Erroneous Reporting of Missed Mortgage Payments SHELLPOINT MORTGAGE SERVICE ATTN : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, SC XXXX In XX/XX/XXXX, my mortgage was transferred from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX to Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX XXXX When applying for a new loan, it came to my attention that XXXX  XXXX XXXX XXXX XXXX XXXX my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, XXXX approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Enc

l 1 ). B. I made monthly paym
ents by the XXXX of the month as specified. The payments were made with four ( 4 ) or five ( 5 ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at XXXX chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, XXXX staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested Shellpoint Mortgage Servicing, my new mortgage provider, review my calendar year XXXX  monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. Shellpoint denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: NY
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 recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-09-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I mailed a dispute letter to Equifax asking them to remove UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, AND CLOSED ACCOUNTS. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. 

PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( XXXX ) FAIRCREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681 ( FCRA ) This is my third attempt to fix this issue. Equifax has failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. It been a total of 60 days, I will attached to letter sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: Creditrepair.com, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XXXX XXXX 2017, I signed up for credit repair services with creditrepair.com and prepaid before any work was performed on my behalf. I contacted creditrepair.com to have one disputed negative item removed from my credit reports. <P/>On XXXX XXXX 2017, I paid {$14.00} to send my three credit reports. <P/>On XXXX XXXX 2017, a total of {$99.00} was paid for credit repair services which according to creditrepair.com included " credit challenges sent '' to the credit bureaus. I am unsure what credit challenges entailed. <P/>On XXXX XXXX 2017, I faxed documentation to support the billing reporting errors for the negative account and this was done to assist creditrepair.com in getting the negative account removed since my billing statements and what was reported by the credit bureaus were not a match. <P/>On XXXX XXXX 2017, another {$99.00} was paid for " credit challenges sent '' to the credit bureaus. <P/>On XXXX XXXX 2017, I received notification of credit reports received. Although, I already submitted my credit reports on XXXX XXXX 2017, creditrepair.com continued to send my credit reports to the bureaus as late as XX/XX/XXXX. <P/>On XXXX XXXX 2017, I received notification of credit challenges sent again but no evidence of these letters. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly asked creditrepair.com for proof of the work that they were doing for me. As of today, I do not have this information. <P/>On XXXX XXXX 2017, creditrepair.com informed me that they were unable to get the negative account information removed from my credit bureau reports and closed my account. I was also informed that the supporting documents ( credit card statements from the negative account ) indicated late payments which creditrepair.com was unable to handle. <P/>On XXXX XXXX 2017, I informed creditrepair.com that I NEVER disputed late payments. However, I hired the credit repair service to dispute the MINIMUM MONTHLY PAYMENT AMOUNT on my statements versus what the credit bureaus were reporting. This information does NOT match. According to the FCRA information reported by the credit bureaus should match ( 100 percent ) what is reported by the creditor. <P/>Creditrepair.com lied to me as well as misrepresented what their capabilities were with regard to disputing negative information reported by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

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 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
An inquiry on my credit showed that I don't recall making. I contacted the company and they told me to file a dispute with XXXX. Upon disputing with XXXX just hours later they replied they weren't removing it. The date of the two inquires in question is XX/XX/XXXX and XX/XX/XXXX. I have two additional inquires with capital one on XX/XX/XXXX and XX/XX/XXXX however those two I made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: CA
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 account name 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
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 account name 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 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 explanation
Consumer complaint received 2018-10-22
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Our previous complaint was closed a few days ago, case # XXXX. After almost 3 months of trying to close on a refinance with Loan Depot. On XX/XX/2018, a few days before Loan Depot was to respond to my first complaint, they informed me that our loan would be cancel because of information that they needed from the bank that is holding the mortgage of the note to be refinance, wasnt able to be attained by XXXX XXXX, loan depot 's contracted verification company. My wife and I have been in and out of banks, retrieving loan histories and pay off statements. We have also been on many third party calls with XXXX XXXX to verify information. Loan Depot is blaming me and my wife for them not being able to attain the information that they are requesting. We have offered statements that reflects the information that they have requested. They have already received the information and now they have requested the same information over again. We are cooperating with their third party verifying company, but the banks are apparently not sending the the information. Loan Depot has cancelled the process because of this. They are trying to make it our fault, just like they tried to make the so called undisclosed properties our fault. When everything was in the income tax returns. Loan depot is holding us responsible for the unsuccessful efforts of XXXX XXXX  to attain their requested information. We have meet their requirements and just want to close the deal. The truth of what i have said can be verified by my banking institution, XXXX  XXXX, and Loan depot because every phone conversation was on a recorded line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: First Choice Lending Services, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
First Choice Lending Services processed my mortgage with a fraudulent appraiser report. 
They assisted the Seller XXXX XXXX XXXX XXXX XXXX who is also the owner of property and, the real estate company I hired to find my home, the realtor who assisted me, and the closing attorney as well as the mortgage company who services my loan in continued fraud. Due to the appraiser report being completed on a different property other than the one I purchased, I had to move out of the home 4 months after I moved in. Included in the sale was a home warranty that didn't repair or replace the broken water heater that finally went out in XX/XX/2020. I filed a complaint withXX/XX/XXXX-XXXX  and the company responded by saying they hired a FHA Approved Appraiser. However, their appraiser 's report was for the wrong property and failed to disclose major material defects. They inflated my Social Security to approve the loan. My mortgage payment was over half of my net income and I used all my remaining savings to fund the loan. Once I closed on the home the mortgage was turned over to XXXX XXXX XX/XX/XXXX. I have filed a complaint See CFPB XXXX and it was closed and supposedly forwarded to First Choice Lending Services to which I have had no response from. During the closing process the attorney assigned by the realtor closed with additional fraud being created. They allowed the seller to sell the property without a business license, the sellers wife was not present at closing, funds for a inactive homeowners association were paid during closing and never refunded. The list goes on and on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
See at the hospital and my medical insurance was not submitted. The credit collector put the information on my credit instead. I called to as how do I have my insurance company pay for the medical debit but they couldn't refer me to the department to get the matter resolved. 
They have sold my medical information to other companies and it just keeps showing up on my credit under different company names but they won't provide me with the information to have the matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX several times in reference to my balance not being reported correctly to the CRA I am demanding my balance be updated to XXXX as this account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-08-09
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

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 2023-09-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account number : 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 explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I apparently had a XXXX dollar debt with XXXX XXXX  XXXX XXXX  that I was never notified about. They sent it to frost Arnett and they called me saying they sent out a letter on the XXXX of XXXX but I never received a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 non-monetary relief