BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/203 I drafted a letter to TranUnion outlining multiple accounts on my consumer report that are negatively affecting my credit rating. According to the Fair Credit Reporting Act, these mistake-filled accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I requested that Transunion correct my personal information ( current and previous address ) as well as reinvestigate these accounts : XXXX : XXXX, {$6400.00}, XXXX : XXXX {$610.00}. However, they stated that they dont believe that I wrote the letter that I submitted to them. This is ridiculous, and I am highly offended that they dont believe Im capable of drafting and submitting my only letter to them. I am a self-taught student of my consumer rights and I reserve the right to draft my own letters to express my rights if they feel I am capable of doing so or not. I drafted and submitted my own letter to their agency and did not hire a third-party firm, as they have alluded to. As a result, they are refusing to investigate the accounts that I highlighted in my own personal letter to them, which is completely unacceptable. 

In addition to this, none of the detailed information found in the accounts listed in my letter agree harmoniously across all three bureaus due to inaccuracy, inconsistency, or incompleteness, as they should according to the FCRA, XXXX, and Metro2 compliance standards. According to 15 USC 1681i ( 5 ), they are supposed to delete or modify accounts that aren't reporting correctly. 

15 USC 1681, Section 602 ( a ), states I have the right to privacy. 

15 USC 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my express, written instructions, which I have not given. 

15 USC 1681, Section 605 ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681 s-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. 

In addition to the above violations, TransUnion is not in compliance with its own Metro2 credit reporting standard and has violated my rights many times over in each account. I will attach proof of this in this complaint.

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 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 am a victim of identity theft. I have advised the creditor and credit bureau and have they refused to remove the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
When the mortgage was with XXXX XXXX, I called about getting my XXXX  removed. They sent me a letter that explained what I needed to pay to have the XXXX  removed. I paid the additional amount to get to 80 % XXXX and have the XXXX  removed. Before I could confirm that everything was in order, XXXX XXXX sold the mortgage to MrCooper and would not talk with me any longer.

I chased and had to call MrCooper every other week for 2 months in order to get the principal payment applied to my mortgage. Finally, the payment was applied to principal ( which should have occured before XXXX XXXX moved the martgage to MrCooper ). Now when I ask if I paid XXXX  while the mortgage is at MrCooper, the MrCooper folks tell me I paid {$44.00} over 2 months to XXXX. I requested they refund the money to me. They explain that according to their notes over the last months, I did not do what was required and when it was required. They will not refund the {$44.00} to me, explaining their process was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter on XX/XX/2023 to remove, accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have an account on my credit file that is reporting wrong information. This account was closed and paid off. The account is not past due and is having a negative impact on my credit score. The account information is as follows : XXXX XXXX XXXX XXXX Account number : XXXX Please update or delete this information immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/2021 my local tax authority refunded overpayments for annual taxes for the last three years and sent this money back to Shellpoint Mortgage to my escrow account. Initially, I had to call because all the money was not showing as it appears they were missing one tax year after confirming with the local tax authority. I then requested the money be refunded back to me as the money being held is four times what is necessary in the escrow account. I have called on a few occasions and was told this matter was being escalated. 
I am obligated to pay my mortgage on time and this money was clearly a refund and should have been immediately returned to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information across all three credit Bureaus, They are reporting names, addresses and phone numbers inaccurately. 
I reach out to all three Credit Bureau with the right information with copies of my Drivers license, social security card and a credit card statement.

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 2017-05-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address on file for the account is not address I 've had the same address for   XXXX    years. If the company had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  XXXX  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed  XXXX   XXXX    XXXX  . By law this company has to mark my account disputed upon 30 days of the request I sent by mail which was not done and any validation information binding me to this account was not sent within the allowed legal 15 days. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social 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
Consumer complaint received 2018-10-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX My complaint : Navy Federal Credit Union drafted my checking account for {$540.00} on XX/XX/XXXX for a debt in my sons charged off checking account. My son and I have a joint savings account with Navy Federal. My sons checking and savings account was charged off on XX/XX/XXXX. I called Navy Federal today to ask for my money to be returned to my checking account and why would my checking account be effected because of a debt that has nothing to do with me and the Navy federal customer service rep as well as the supervisor in the Charge Off Department repeatedly told me because I was a joint owner on the savings account which has a balance of {$0.00}, and the money was then transferred to the checking account owned by my son only, his previous balance was {$5000.00} after my checking account from drafted his balance now is XXXX. I took my son to the police station back in XXXX to file a police report about the his checking account being defrauded by someone else because he lost his ATM card, and a check was deposited into his checking account. I called them back for a second time today ( XX/XX/XXXX ) at about XXXX and they let me know we were on a recorded line and talked with the customer service rep and supervisor but this time I was told a whole different story that the debt was now in his savings accounts which I am a joint owner on, but the debt owed had been in his checking account from XX/XX/XXXX until today according to the supervisor in the Charge Off Department. All the correspondence about XXXX XXXX XXXX Navy Federal checking account came to XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX was only addressed to him not me. His savings account had and still has a balance of {$0.00} according to the customer service reps that I talked with on Saturday, XX/XX/XXXX and today at XXXX XXXX XX/XX/XXXX. The information didnt change until I started to asked them repeatedly how am I legally responsible for debt in an account that is not in my name. I didnt know this was legal for them to draft my checking account to pay a debt that is not in my name. I just want my {$540.00} put back into my checking account. If you need more information please see my contact information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate reporting. My consumer report is showing numerous inaccurate addresses, numerous incorrect spelling of my name and the wrong names, social security numbers, inaccurate telephone numbers and the wrong employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a report before and companies were suppose to freeze my credit when an application was submitted but XXXX inquiry which is new still showed up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
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: Their investigation did not fix an error on your report

Complaint:
I paid off my account with affirm so that i can get my dti down to get approved for a home loan and affirm update my bureau report as i made a payment not paid off, i have yall to several associates and they will not help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have been a loyal customer of PayPal for several years and have never faced any issues until now. My account has always been in good standing and I have never engaged in any fraudulent or unethical activities. Despite this, my account was suddenly restricted and my funds were blocked for 180 days, which is unacceptable. 

The restriction and block was imposed on XX/XX/2023, and has caused immense inconvenience to my business operations. 

I have provided all the necessary documents and information to PayPal to prove the legality and authenticity of my business transactions. These include purchase invoices, shipping label, and tracking numbers with verifiable delivery within 5 days. However, despite providing this evidence, my account remains restricted and my funds are still blocked. 

I strongly believe that this restriction and block is unjustified and constitutes a violation of my rights as a customer. My account is not a high-risk account as I have fulfilled all tracking requests, delivered all products to my customers, and have a very high customer satisfaction rate. 

I request that you investigate this matter and help me resolve this issue as soon as possible. I also request that you assist me in lifting the temporary restriction and funds block on my account, so I can resume normal business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

CAPITAL ONE NA XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX HAD MULTIPLE INQUIRES FOR ONE APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for one application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Park Hill Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Corelogic and XXXX are working in conjunction with one another reporting false, inaccurate, fraudalent, " time barred '' information and they refuse to accept responsibility and ignore all requests to delete this information that is affecting to secure a home. 

I spoke with a XXXX on XX/XX/XXXX with Corelogic who informed me they do not remove inquiries, but she would dispute the other information. She noted two Supervisors, a XXXX or XXXX would call me to discuss further as there is nothing else that can be done and they do not remove inquiries as per these Supervisors. Once again, these companies are reporting information that is not factual or correct, not to mention illegally reporting information. I completed all due diligence and the facts are attached hereto to make these companies adhere to the Law. They continue to claim and as per XXXX at Corelogic stated they receive their info from XXXX and XXXX, where in fact, both companies deny such information being transmitted to them. XXXX and XXXX has denied and proven they are not reporting any of the information XXXX XXXX and XXXX is providing to creditors. In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX XXXX for the same property address and filing with the courts three different cases for the same case. I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the XXXX XXXX XXXX XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client XXXX and XXXX but also from the Justice Courts, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer suffer and not be able to secure housing.

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: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX 2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Or a list of inquiries : 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