BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1200.00}.

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 non-monetary relief
Consumer complaint received 2023-01-16
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: Investigation took more than 30 days

Complaint:
Re : CFPB XXXX XXXX My dispute was sent thru CFPB XXXX and was received by Experian credit bureau XX/XX/XXXX XXXX an interim response on XX/XX/XXXX. 

It is now XX/XX/XXXX XXXX days from the initial date and XXXX since their stall response without a dispute result. 

I feel I have provided more than the required amount of time allotted by the FCRA for this dispute and NOW I am demanding this information be removed from my credit report. 

Please provide my XXXX corrected report with the required deletion this week.

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 2022-03-09
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with XXXX XXXX XXXX. Previous to COVID, I had never missed a payment or even been late a single time in 16 years. My credit was well over XXXX. This changed when forbearance ended and XXXX XXXX XXXX started using 'Shellpoint Mortgage Servicing ' to service their loans. I spoke with them and was assured of a smooth transition. I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue FOUR DAYS after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem on XX/XX/XXXX. Please help ASAP. 

thank you! 
- XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I noticed that my monthly credit card statements from Chase Bank still print my full credit card number where as all other banks and businesses only print the last four or five digits to prevent identity fraud as required by the " Fair and Accurate Credit Transactions Act ''. 

I talked to Chase customer service, they told me they can not do anything because it has been Chase policy and assured me that my accounts are safe. 

I checked my statements from other banks. They truncate the number to last four or five digits. 

Please have Chase senior management revisit their policy because their practice goes against the spirit of the Fair and Accurate Credit Transactions Act and unnecessarily opens me up to Identity fraud. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: TN
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 ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2023-12-03
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:
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXXDEPT OF ED Account number XXXX MOHELA/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

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 2019-02-01
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I currently have a XXXX XXXX XXXX on a lease. I was trading the vehicle in for a XXXX XXXX XXXX. On the VW Credit website, I can receive a payoff quote that is good for 10 days. The payoff quote was {$27000.00}. I produced a digital copy for the XXXX dealer as well as showed the sales person the quote directly while finalizing the deal for the new car at the dealership. This was on XXXX. The quote expires on XXXX. 

Yesterday, the XXXX dealer notified me that the payoff quote from VW Credit was {$28000.00}. That is {$850.00} more than the quote I provided for the dealership. I went back to the VW Credit website again today, XXXX and the payoff quote is still the same as I quote the dealership on XXXX. I spoke with a VW Credit representative about the discrepency and she said the quote provided is for the customer. The dealership gets a completely different payoff quote and that quote is based on market value. I asked her that VW can bascially charge whatever it wants to the dealer regardless of what the contract says? She said yes. Furthermore, none of this is even written on the payoff quote webpage. 

I told her could you imagine if I sold my house and only owed $ XXXX but the bank holding the note felt it was really worth $ XXXX so that is the new outstanding payoff. Such a practice is illegal. At this point, I am returning the XXXX purchase back to the dealership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently talked with a mortgage XXXX and he advised me that in XXXX  we should have been informed about relief due to XXXX. I informed him we have had a hard time catching up and that we were never given assistance or offered a XXXX forbearance and due to no assistance we have been in financial distress ever since. We reached out when we realized we were having difficulty paying our mortgage XXXX XXXX, when were experiencing hardship due to XXXX. We contacted XXXX to get help in the matter, and they offered a forbearance package sent in the mail but nothing relating to XXXX. I was advised that when we called in to XXXX a package was not even necessary but should have been aided right over the phone no questions asked and no package was even needed to be sent before they could issue XXXX assistance. We have been late a couple times since but have been trying really hard to get out of the financial crisis we are in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, XXXX XXXX, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was discharged in XX/XX/XXXX, and I assumed all was well. 

My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for XXXX was still filed and active against my name. Multiple calls to the assigned attorney and to XXXX XXXX were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and XXXX said I still had to pay it in order to close the lien. 

We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. 

My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX CST on XXXX, i am unable to access any of my accounts. I have tried logging in via my app as well as the website, and it displays an error that it is currently down. The bank 's website appears to be having technical issues which is preventing me from accessing any of my funds and conducting my necessary transactions.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
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:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; 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 2023-11-16
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:
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2020-12-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We believe we are entitled to a refund due to being overcharged through the improper interest rate, starting on XX/XX/XXXX. In the Rate Improvement Addendum to the Note our original interest rate of 5.5 % had an automatic reduction to 5.125 % interest rate starting on XX/XX/XXXX. We believe all the conditions to the rate reduction have been met, and automatic reduction should have started on XX/XX/XXXX. 

By our calculations, we overpaid on our mortgage by {$1100.00}. We hope they can re-calculate the amount we are owed from XX/XX/XXXX when our rate was not automatically dropped from 5.5 % to 5.125 %, make the necessary adjustment, and process the refund. 

Our total loan payoff amount as of XX/XX/XXXX is {$1100.00} and we would like to reconcile the account with the amount owed to us ( {$1100.00} ). 

We made several attempts ( 4 ) to mitigate the issue through NewRez customer service phone number, making the request to review the mortgage contract, notes and addendum and look into the issue of Automatic Rate Reduction not being processed. After following up on our complaint and a request for review of the automatic date drop with their research department we made on XX/XX/XXXX ( request was made with XXXX XXXX ) ; we were told that someone in their customer service made a mistake when filing the request. We made another request for the review and a complaint on XX/XX/XXXX ( with XXXX and her supervisor XXXX XXXX who now expedited our request. When I followed up on XX/XX/XXXX ( XXXX XXXX ) I was told, again, that the customer service made a mistake when filing the request. At this point we made the request again for the research department to check on the mistake, and filed a complaint. 

After failed attempts to get resolution through customer service phone number, we decided to send a qualified written notice of error to NewRez. We sent this letter by certified mail on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed a few inquiries on my credit report I do not recognize

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 2022-07-08
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XXXX XXXX, 2022, I tried to temporarily unfreeze my credit report on Experian. I could not log into my account even though I had all correct information. I could not reset my log information neither, it says my account does not exist. But Experian`s automated service has my information, but it could not unfreeze it. I tried numerous times to reach a customer service agent, was not successful and Experian does not return messages neither.

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 2023-11-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 2023-10-21
Company: The CMI Group, Inc.
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 noticed my credit score dropped dramatically. 
today i checked my credit report through XXXX and found collection account {$370.00} pass due as of XXXX, XXXX 
Account Name XXXX XXXX XXXX XXXX Also Known as XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT TYPE COLLECTION RESPONSIBILITY INDIVIDUAL ORIGINAL CREDITOR : XXXXXXXX XXXX. 

This is account doesn't belong to me. I don't even have XXXX cable account. 
it is fraud and wrong information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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