BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
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:
XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2023-11-07
Company: EQUIFAX, INC.
State: IL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I enter into a payment agreement with XXXX Department of Environment and protection to pay my water bill, the mortgage servicer shellpoint made on payment to DEP on my account that they were not suppose to pay. Shellpoint increased my mortgage by approximately {$2000.00} which my month payment came from {$3600.00} to {$5300.00} which make it impossible to make payment on my mortgage, I contacted the company even offer to reimburse the payment they made on my account in full, they refuse to accept my offer to pay and refuse to reinstate my account to the original monthly payment, this makes it impossible to make payment on my account.

In addition, Shellpoint did not follow federal regulations not to report negative reporting on my credit report during COVID-19 while my account is in forbearance, the company kept reporting the payments that supposed to be in forbearance as balance increase which impacting my credit severely.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX System/XXXX  XXXX several times to inform them this debt does not belong to me to which they state they will update their information and stop sending me letters but they repeatedly do so in an attempt to illegally collect another individuals debt and in direct violation of the fair debt collection and credit act. 

I would like to pursue further action to stop their illegitimate harassment and collection efforts by any means available to me. First step is to publish this formal complaint. I have copies of all letters sent with dates and times of phone calls made.

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 2022-02-03
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: Account information incorrect

Complaint:
I sent dispute notices for multiple accounts to XXXX, XXXX & transunion in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.

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 2023-12-05
Company: P.S.C., Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've been trying to resolve this issue with this company and it has been 3 months now and they are not taking this matter seriously. I contacted them about validation of debt and when they provided it, it proved based on laws in the state of Washington that there debt is illegal. 

Based on the documentation it affirms my move out date of XX/XX/XXXX and this would mean based on the law that 21 days later the final move out the landlord must provide the statement as to the disposition of the deposit along with any charges. 


My previous offer is rescinded and I am now fully disputing this entire collection balance. 

This is in regard to our phone conversation regarding the itemized statement you provided in reference to the debt assigned to you by XXXX XXXX. 

As mentioned, the packet of documents you sent over had several addendums and revisions to the final move out report and deposit worksheets that have been presented to us since our move out XX/XX/XXXX. Specifically, the final revision the following line items dated after the 21 days XXXX XXXX had as prescribed by XXXX XXXX which states ( 1 ) ( a ) Within 21 days after the termination of the rental agreement and vacation of the premises or, if the tenant abandons the premises as defined in XXXX XXXX, within 21 days after the landlord learns of the abandonment, the landlord shall give a full and specific statement of the basis for retaining any of the deposit, and any documentation required by ( b ) of this subsection, together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. 

Note : 21 days was increased to 30 days as of XX/XX/XXXX but that does not apply to this case. 

XXXX XXXX failed to meet this requirement in order to have a legal claim to collect on my security deposit as they did not provide any documentation dated within those 21 days. The documentation provided is postmarked and dated well after the 21 days. 

In addition, there are several deposit worksheets and Move out reports that are conflicting. An examination of the itemization reveals that there was a charge of {$780.00} added on XX/XX/XXXX described as Replace a broken window which is a full 6 months after my move out statement. That is completely unreasonable, unacceptable, and rejected. I feel well within my legal rights to reject any of the line items after XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: AL
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:
Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.

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 2022-07-07
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my property at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The mortgage company is PHH, originally with Ocwen. This was in a deferment due to Covid. The payoff of {$21000.00} was good through XX/XX/22. The loan was paid off XX/XX/22 with an escrowed amount of {$2700.00}. When I first contacted the company on XX/XX/22 I was told a check was sent to the old address on XX/XX/22. The the representative corrected herself to say the funds were escrowed for taxes & ins. I asked for a detailed statement to explain where funds went. After this conversation I contacted the local property tax division & the ins co in which neither had received payment. I called PHH back & was over talked, informed about the interest added daily in which I explained I was aware of that but that daily interest should be charged for those days in which it was paid off but I was told there was no overpayment. I was informed the loan payoff was good through XX/XX/22 & yes, they received the payoff early but that was it, it was paid off early & that was that, there was not any funds to be reimbursed. 
The letter I received from PHH specifically said there were no surplus fund & none would be returned. There was no statement explaining where the funds went. 
This is unacceptable. The customer service needs to be more customer friendly. They need to understand what they are telling customers & this company as a whole should be enforced to abide by the rules & regulations of mortgage loan holding. I talked to 2 representatives & was given 3 stories. A statement request should give detailed information, not merely a statement to say there was no surplus therefore you arent owed any money, especially when you have the payoff statement from the title company saying differently!

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 2018-10-01
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, my husband and I requested credit investigations as Equifax and XXXX XXXX. Since that time, my husband has received his results, but I still haven't received anything in response. Equifax and XXXX XXXX were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX CREDITOR INQUIRIES 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, 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 non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: IA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Accounts reporting are due to Identity theft so are the inquireis they need to be deleted. 
XXXX XXXX services and 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 2023-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 we applied for a new loan and was denied based on a negative credit report from SPS stating we owed them XXXX. We provided information showing our home sold on the XXXX of XX/XX/2022, proof of payoff to the mortgage company on the XXXX. The closing attorney office also made contact to verify they sent payment. After a 30 day review by SPS, they are now telling us they did not honor our original payoff quote sent by them on XXXX XXXX for {$200000.00} because they made an HOA payment to the condo association on XXXX in the amount of {$2900.00}. We did not owe this money to the HOA as we are required to have a clear 6D to close. We received our 6D on XXXX for our XXXX closing. In addition, SPS is stating they paid {$800.00} on XXXX XXXX for city taxes on a property we do not own. Because of this additional {$3700.00} they disbursed to the HOA and City tax department they will not honor our original check in the amount of {$200000.00}. Their quote from XXXX expired on XXXX XXXX, we closed on the XXXX of XXXX and the quote they sent should be honored. The closing attorney and I have both provided documentation of the payoff quote from them, copy of the fed express mailing with the payoff check. We seek your help with getting the mortgage company to honor the original payoff quote and apply the check we sent. Remove late fees and negative credit reporting. For then to request funds they sent on a sold property to City Taxes and the HOA office directly and not try to force us to pay for their mistake. We are unable to secure a new loan to purchase our next home due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
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 my account without written instructions. 


Transunion was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
XXXX Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
XXXX has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.

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