BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
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:
On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I reviewed a response from Mr. Cooper regarding a communication they acknowledged receiving on XX/XX/XXXX, although they do not identify where they received this communication from. 
The response is dated XX/XX/XXXX and appears to be a response to a complaint I filed with the Florida Attorney General, although that is not stated in their response. 
The response from Mr. Cooper does not mention the Second and Final Notice to obtain hazard insurance or they ( RightPath Servicing ) will purchase hazard insurance on my behalf. I specifically mentioned this notice I received on XX/XX/XXXX from RightPath Servicing, in my complaint to the Attorney General, therefore, I can only assume this response is regarding my complaint even though there is no mention or explanation for RightPath sending this second and final notice, as requested by the Florida Attorney General. 
Mr. Cooper cunningly omits information regarding the Second and Final Notice sent to me on XX/XX/XXXX because this is the basis of my complaint and is also definitive proof of deception by RightPath Servicing. 
RightPath Servicing clearly stated Hazard insurance was needed on my property and goes on to describe this hazard insurance, that being, it would only cover the structure, such as the roof, of my property. I provided RightPath Servicing proof, multiple times, of having this hazard insurance coverage, as they described, through my HOA master policy. 
In XX/XX/XXXX RightPath Servicing charged me for HO6 insurance and not hazard insurance as described in this Second and Final Notice. My mortgage payment was increased by {$1000.00} per month. 
There is no mistaking what HO6 insurance coverage is and it surely isnt what was described as Hazard insurance in their notice dated XX/XX/XXXX. 
This deliberately deceptive practice can cause many, like myself, to be threatened with foreclosure if they do not pay into this fraudulent scheme. Mr. Cooper is now refusing to accept my mortgage payments, after I did not sign the loan modification they sent me, a modification I did not request. I was, conveniently, pre approved for this loan modification I did not request or apply for. 
I understand, per their response, that Mr. Cooper is now in the process of foreclosing on my property. I have sent RightPath Servicing monthly mortgage payment that they have refused to apply to my loan.

RightPath Servicing/Mr. Cooper has clearly violated the FDUTPA, The Florida Deceptive and Unfair Trade Practices Act with their deceptive practice, as stated above, and must be investigated. It is very likely, given the troubling history of Mr. Cooper, that a class-action law suit may be necessary. 

Each response to the CFPB, by RightPath Servicing, claiming to have already addressed this issue shall be recognized as a separate offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX* 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 2018-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am refinancing a mortgage loan that is serviced by Wells Fargo and they are charging {$400.00} in " Pay-off '' Fees. I have asked ( 3 times ) for a specific breakdown of the fees and they have not provided anything more then : " These are the standard fees. 
Payoff Processing Fee {$250.00} and Lien Release Fee {$150.00} '' The fees incurred should not be more then {$110.00} or {$170.00} ( the County Reconveyance Fee for example is only {$92.00} and a pay-off statement fee normally runs anywhere from $ 5-60 ) In the email they also said there is a UCC Termination fee, which I do not believe applies to this kind of mortgage however the UCC Termination fee with the State of Calif is only {$20.00}. 
{$110.00} or {$170.00} =92+20+ ( 5 or 60 )

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 monetary relief
Consumer complaint received 2023-09-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
PennyMac received my loan in XXXX from XXXXXXXX XXXX PennyMac paid my XXXX insurance premium and was notified of the XXXX premiums for insurance that were due. PennyMac did not pay my XXXX home insurance premium. XXXX ( home insurance ) therefore terminated my homeowners insurance. Neither XXXX nor PennyMac notified me of the loss of coverage on any platform. My escrow account has enough to pay for any premiums, and I have never been late on a single mortgage payment. 

My house was burglarized on XX/XX/XXXX and I was unable to file an insurance claim due to a lapse in coverage. 

When speaking to a PennyMac representative, backup insurance was offered, but it only covered home damage, not lost or stolen items. I was also told by the representative that I should have contacted XXXX to inform them that I had switched from XXXXXXXX XXXX to PennyMac when I received the welcome letter from PennyMac. This was told to me by the representative before I discovered that PennyMac was already aware of which insurance company to pay, having paid the XXXX premium. 

XXXX and PennyMac should have notified me of my termination of coverage. PennyMac should have paid the premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

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 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 2021-12-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2021 this company opened a collection. 
Account # XXXX I have never signed and written document saying that I owe this debt to the collector. 

I do not know who they are and have not written consent from end. 

Also, they have not verified that I owe this debt to this alleged company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the 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 explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2023 I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. Experian received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, XXXX and Experian on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Complaint ID is XXXX. Experian Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX Fin Fka Sc Telco Account Number : XXXX, everything is wrong! This one really takes the cake you guys. Please don't make me dispute this again. Look at it. You know you are wrong and it is really insulting to tell me that it is accurate. Give me a break. First the same account is being reported as XXXX completely different accounts. XXXX, you barely have no information at all. Experian, you have some more information, but its all completely different than what XXXX has. If you do nothing to resolve this, I'm going to know that your dispute investigations are bogus and I'm getting a lawyer because this is ridiculous. LOOK AT IT AND TELL ME IT '' S NOT 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 explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX 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 an 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 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 2023-05-18
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: Was not notified of investigation status or results

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 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 2018-08-26
Company: EQUIFAX, INC.
State: MA
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:
Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for XXXX XXXX was XXXX, and Equifax was XXXX. 

3. I was shocked and dismayed to find that XXXX XXXX penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and Equifax 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from XXXX XXXX, and have the 16 points added to my original score of XXXX ( XXXX ). Although Equifax was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness. 

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief