BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: MA
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Thy have frozen our account multiple times. We've submitted required paperwork and they have un-frozen it, only to later freeze it again. They have pulled money from out bank account and continue to attempt to hit our bank account for charges even though we have told them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NV
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 submitted a dispute on my XXXX credit report for derogatory remarks that were more than seven years old. XXXX removed two of these derogatory remarks. My XXXX  score went from XXXX to XXXX on XXXX. I submitted the same disputes for XXXX and Equifax. Both of these disputes took longer than 30 days. XXXX and Equifax stated that " resolved, consumer disagrees '' This is of course incorrect as XXXX has correctly removed these remarks from my account. Not only that, my Equifax credit score subsequently shot down from I think 696 or 712 down to XXXX. When clicking XXXX  " see what changed '' it stated " no changes were made. '' The only thing that was that there was a new remark on my derogatory accounts from over 7 years ago that the I disagree. It is past statute of limitations and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: AMERICAN HONDA FINANCE CORP
State: MN
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 XXXX of XXXX, my wife and I moved to XXXX  from XXXX  for me to start a new job. At that time, we changed the registrations of our leased XXXX XXXX XXXX  and XXXX XXXX XXXX from XXXX  to XXXX. Upon doing this, Honda Financial Services applied " Upfront Tax '' on XX/XX/XXXX for {$1000.00} for the XXXX  and {$620.00} for the XXXX. Before moving to XXXX, this tax was rolled into the monthly lease payments. Honda stated to me that this could not be done. However, we currently have two new Honda leases that did just that in the state of XXXX  this past XXXX, XXXX, XXXX. So this is an accounting and policy choice on the part of Honda Financial. Therefore, their policy choice has lead to a inaccurate reflection of my payment history on my Credit reports. 

In effect, this type of policy " upfront tax '' assessment for my family 's monthly budget was over {$1600.00} unexpected dollars - very few Americans can just find this. When we couldn't pay it immediately, Honda would not spread this over the remainder of the lease ( we asked at the time ). So, we impressively found a way to pay this within 60 days. 

After asking Honda directly on multiple occasions and working with XXXX  to dispute this, Honda still will not choose to reflect this on their reporting of my credit and continues to have those closed Honda leases ( the XXXX XXXX  - Acct : XXXX and the XXXX XXXX  - Acct : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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 was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal 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 non-monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I would like to place a formal complaint against Transunion for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX Bankruptcy - XXXX # XXXX. 
Transunion said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX - XXXX XXXX Bankruptcy - XXXX # XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Account XXXX is being inaccurately reported and have failed to provide validation of the debt with a signed copy of the contract. There are several inaccuracies that have been reported under my identity and I have sent in multiple complaints to the bureaus asking for validation of the debt, to verify and ensure the debt reported is mine. Due to the erroneous mistakes, I have requested an immediate investigation. 

Below is a list of all innacurrate information : Account number is not provided Original creditor is not provided Creditors name is being reported as XXXX XXXX XXXX XXXX under XXXX XXXX reports 63 missed negative months TransUnion is unknown payment history Creditors name is being reported as XXXX XXXX XXXX under TransUnion XXXX is reporting the contact address and phone number as : Address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone number : ( XXXX ) XXXX XXXX. TransUnion is reporting the contact address and phone number as : Address : XXXX XXXX XXXX XXXX, CA XXXX Phone number : ( 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 2023-10-11
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX This loan is currently by Shellpoint serving company, It was previously by XXXX XXXX and they sold it to Shellpoint, They did request to show proof of XXXX XXXX XXXX XXXX policy that i did provide to them in time, and now they requested from the previous year, And i don't that the papers in my file since it's over a year since it was the effect, XXXX XXXX did have that policy showing that it was insurance in place but they did not transfer that doc however they forced me to pay insurance for the last year although i had always insurance in place, there is no guideline I have to keep all policy 's from the prior year in my file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}.

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 2023-06-07
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: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Helbing Law Group
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have paid over {$12000.00} to this company for a service that at first was provided. Since my final payment in XXXX this company has not honored in finishing their agreement to settling 3 accounts. Once I finished my part of the arrangement and I fully paid, suddenly I became the easiest to ignore. I have called, emailed, used the webpage contact us, and my login access page. All attempts from me to contact anyone of authority to finish their side and resolve my 3 accounts have been fully ignored. I have had no success in getting this company to honor their end and finish settlements. In phone calls to this company, I have even had individuals claim they could not see details ( dates ) and even so much as they can not send me to another person for assistance ( while others can do both ). This company worked hard when I was making active payments and then I had them fully paid off in XXXX. Now conveniently since XXXX and early XXXX this company has done nothing to finish their side of the commitment and finish the resolution process on 3 accounts. Now this company not only has taken over {$12000.00} from me but they have NOT done the service I paid for, and they have worked to actively ignore me on all my communication attempts to get them to finish what they have been paid to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received an agreement for a principal reduction provided our payments were made on time. We have complied with the agreement and now they refuse to apply the principal reduction. I contacted the loan servicer ( Nationstar Mortgage ) and now they say the principal reduction was denied despite my agreement to the contrary.
Nationstar Mortgage Acct.   XXXX   Balance :   XXXX    Interest:2 % ( unitl 2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX, {$520.00}, The company place on my credit report without give me the rights to file criminal charges or dispute. I am a victim of identity theft and it shows the original creditor was XXXX XXXX. It also show it has been either sold to an Attorney and states false reporting of Remarks : AFFCTD BY XXXX/XXXX DISASTR ; >PLACED FOR COLLECTION. I dont owe anyone bills and I was not given the Rights under the Fair Debt collection Law and it states it was paid on XX/XX/XXXX another false reporting and up for collection until XXXX. I Dont have bad credit and this company has violated my rights by just putting false information on the credit report to collect on an old account that was found to be identity theft. It was either sold to a third party which, if its an attorney 's office I will be filing with the Texas XXXX XXXX XXXX for this deceive practice and false reporting. It states owned by an attorney collection agency with I will be filing as soon as I find out what Law firm has this account for reporting false information to the Credit Bureau along with Filing on XXXX XXXX with for a congressional hearing to investigate XXXX XXXX for stealing an account to a third party and having them account that are pass the statute of limitation for collection and them reporting false info to put on the credit report.. I also dont have an account number, name of Attorneys office that purchased the debt, phone number any other information to that Attorney office who put them on my credit report under false and misleading information. This attorneys office has violated the law and has put something on credit report without allowing me the right to dispute. This attorney has abused his or hers POWERS by putting info on the bureau that are OLD and passed the status of collection of 7 years and have put this on my credit until XXXX. IT '' S considered to be harassing of this attorney because I am listed on the credit bureau as a victim of fraud and I don't have any bad credit. I pay my bills and this can stop me from getting my STUDENT LOANS and have my Credit cards Closed. I don't knw how long this has been on the XXXX, but I got info from Experian. This could explain why one of my XXXX XXXX  closed my account. The Attorneys office is considered to be hiding because I do not have any information to report to the Texas XXXX XXXX to have them investigated as well. All it shows on the credit report as account number-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 2017-07-17
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a   XXXX   XXXX   for the buyer in a short sale transaction. This matter closed in  XXXX , 2016 and the mortgage which was the subject of the short sale has not been discharged of record. I am unable to issue the title policy to the new owner, our insured, until this mortgage is discharged.
I have attached the short sale approval letter along with proof that the wire was received to pay the loan in full as outlined in the short sale terms. Several attempts have been made to contact NationStar Mortgage, with no satisfaction.
The subject mortgage is recorded in the Office of the Clerk of  XXXX  County New Jersey in Mortgage Book  XXXX  to  XXXX  and   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This servicer paid an insurance bill out of my escrow account on XX/XX/2021 that was not even associated with this property due to their carelessness and negligence. I have repeatedly called them to let them know of this issue, and repeatedly sent them information showing that I never changed my condominium insurance from XXXX. First, they rejected the proof that I submitted showing that I never changed policies. Second, I had XXXX directly update them again that the policy was not changed. Third, they briefly updated this on their system, and then again reverted back to the system showing that I have coverage with XXXX. 

I never had coverage with XXXX for this property. What they did was simply look at the mailing address on the property and paid the premium without taking basic precautions and due care to note that the policy was not even for this property but rather for a property in Virginia, serviced by SLS. I honestly can not fathom this level of carelessness. An escrow account is managed in trust for the mortgagor. By simply skimming through the policy that they paid out they would have noticed that it was neither a policy to insure this property, nor a policy even issued in the State of Florida. 

I went ahead and just paid the escrow shortage of {$560.00} today ( XX/XX/2021 ) that they created because dealing with them has been exhausting. The payment confirmation number is XXXX. Even just getting through to them on the phone is like battling with Goliath since it is an endless maze of options in their phone tree with the sole intent of making it as difficult as possible to get through to an agent. 

When I called and informed them of this issue they said I had to deal with it through XXXX, even though CMC was the entity that negligently paid this premium. It shows even more that they do not abide by basic fiduciary responsibilities of managing an escrow account. 

I am attaching proof of : ( a ) the negligent {$560.00} payment on XX/XX/XXXX ; ( b ) confirmation of the {$560.00} I paid today, XX/XX/XXXX ; ( c ) confirmation of the XXXX policy for this property ( we even had XXXX reissue it as a courtesy to get you all to acknowledge it, but you all still didn't ) ; and ( d ) a screenshot showing that they still display the insurance for this property as being through 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