BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}

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 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent in multiple different letters to the credit bureaus trying to get items that are inaccurate removed from my credit. The last letter I sent to the bureaus was XX/XX/XXXX asking for proof of how they verified the information on my report, I have yet to receive any form of communication from the bureaus. So on XX/XX/XXXX I submitted a complaint through the cfpb portal, the bureaus responded by saying they need to do a investigation into the complaint and that they will respond back to me in 30 days. It is now XX/XX/XXXX it has been 79 days and I haven't received anything from them. So I want to file this complaint expressing that the bureaus haven't done what they said they were gon na do and also feel like they are taking advantage of the time they have to respond due to COVID19. 

Thank You

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus XXXX, XXXX, and TransUnion without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While TransUnion lists one late payment, XXXX indicates two, and XXXX reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.

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 2021-03-21
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: Account status incorrect

Complaint:
Experian and XXXX  are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 Experian decreased my credit score by 97 points due to these 90 days past due from XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with Experian, XXXX, and the creditors XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 Experian and XXXX  changed the past due late to current on the XXXXXXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, Experian increased my score by 45 point and XXXX  increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 Experian and XXXX  decreased my credit score again and reported 90 days late past due for the same creditor XXXX. Experian decreased my score by 48 points and XXXX  decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : 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 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX through XX/XX/XXXX I requested NewRez LLC d/b/a Shellpoint Mortgage Servicing closed the fraud account and remove their negative information from my credit report. In XXXX and XXXX I filed complaint with CFPB about the fraud account, NewRez LLC d/b/a Shellpoint Mortgage Servicing send me Note and Mortgage for the fraud account. I mail the identity theft affidavit, my id they did not closed account. 

On XX/XX/XXXX I requested all records relating to the fraudulent ( Loan Number XXXX f/k/a XXXX, original account # XXXX with FHA Case # XXXX for Original Owner : XXXX XXXX  XXXX XXXX for {$160000.00} for property XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX NY XXXX ), including : Application records, Uniform Residential Loan Application with HUD/VA Addendum, Settlement Statement, HUD1 and Addendum to HUD-1 Settlement statement, Escrow Account Acknowledgment, Loan Agreement, FHA Case Details, Direct Endorsement Approval a HUD/FHA- Insured Mortgage, Insurance Application for FHA Case, Loan Funding Request Form , Mortgagors Letter of Completion , Post Endorsement Technical , Review Underwriting Report, Final Release Notice, Accounting for funds, Loan information type of loan, property address, Final Release Notice, Payment ledgers, CHUMS/Closeout Screen, XXXX XXXX XXXXXXXX XXXX Mortgagors Letter of Completion , and/or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account XXXX Any other documents associated with the account Please send these records to me at the above address. Shellpoint sent me a letter dated XX/XX/XXXX Due to complex nature of the matter they request more time. As of today I did not received what I requested and the fraud account is still open and they continue to report to the credit companies I'm in default for the fraud account.

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 2019-11-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late DEPT OF ED/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2019-11-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into foreclosure back in 2016 due to loss of income, lost my job. Went back to work and filed for a modification of reinstatement with Chase. I was refused 2 times because I defaulted in the past. I hired XXXX XXXX who said they can get me back on track. They filed 2 more times with no results. All the times I sent in for reinstatement or a new modification Chase never used my income as a barometer for another chance. Same answer came back, because of prior defaults I would not qualify. I tried one more time and was denied once again. I make enough money to pay for my mortgage and more. I even offered chase part of the money back to negotiate a settlement, but to no avail. They want the total amount owed or I lose the home. I'm very frustrated with Chase and feel that although I did refinance in the past and went into default due to hardships from losing my work. all I want to do is save my home and get my mortgage reinstated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, 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 a 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( a ).

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 2023-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank purchased our mortgage loan 12 months ago. Our home was purchased in 2020 and has risen in value over 20 % like most homes in the entire Country. I have reached out to them 3 times now about cancelling our PMI. The first inquiry was responded to with an explanation that the mortgage had to be 2 years old before cancellation request. I filed most recently on the 2 year anniversary of our mortgage. This time to be denied on the basis that the " appraisal tool '' their investor uses did not value the property above 80 % LTV. I then appealed and paid for a broker price opinion ( BPO ). The broker appraised our house at a value that puts it at 78.99 % LTV. While I still believe that valuation to be lower than actual value- it should be enough to remove PMI. I now received a letter stating that it needs to be below 75 % LTV. They have made this process a hassle - and continue to move the needle. I have reached out to an attorney to remove PMI and be credited for months overpaid under the Homeowners Protection Act. Shame on this bank for their greedy practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am accusing SLS Servicing of Disparity Treatment. I am requesting an inquiry of how many people / loans the company has unilaterally offered a Modification without documentation vs documentation. How many people have been affected by the arbitrary judgment of the individuals in loss mitigation. 
SLS states to send an offer of a modification which was not received, and to not extend it. 
I am asking CFPB if an audit has been made for this company. 
I have a recording of SLS which stated my payment had been received and a statement stating it was not received and it was applied the following month. 
I have XXXX XXXX screenshots / PDF and recording that they refused to take a payment and had transferred the loan without the 15 day requirement. 
I also have XXXX XXXX send me documentation about another customer and their internal records and modification. 
I have documentation of the original lender not following proper loan origination, servicing and FDCPA practices. it has yet to respond to my original request via the CFPB complaint. Is this not of CFPB concern? 
let me know where I am to forward the over 100 pages of illegal practices. 
This is bad practices and bad faith on not 1 but 3 lenders/servicers by transferring the loan 6 times in under 12 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Possible Financial Inc
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Possible Financial is reporting a debt on my credit file that needs to be removed. I took a look at my credit and noticed this debt was reporting. I do not recognize this account and I never applied for a loan with Possible Financial, I never even heard of possible financial. This account is not mine and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-11
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: Reporting company used your report improperly

Complaint:
XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

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