BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2022-12-14
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At this point, I DO NOT know what to do. I have dealt with XXXX, XXXX XXXX, XXXX XXXX XXXX and now SLS. I have had three modifications, only one was legit. When I refinanced in XX/XX/XXXX, I signed with XXXX XXXX XXXXXXXX the same day. XXXX is the ONLY mortgage on record, but NO ONE can find any documentation. I have always questioned my modifications and loan servicing since XX/XX/XXXX. I have kept everything. 
I am currently in foreclosure, sheriff sale XX/XX/XXXX. I want to save my home, but I am tired of SLS. I would prefer XXXX  XXXX XXXX then SLS. When I received my last modification SLS became my servicer. When SLS received my account there was a balance from the modification. Which is impossible. At this point I could not see my account online ; they would not discuss it with, and I received NO statements. Just told we are not allowed to discuss your account with you, just send the money. I ended up losing my job and did not get back to work almost two years later. In XX/XX/XXXX I almost lost my home but was able to borrow the money to save it and have the sheriff sale stopped. When I went to make my payment in XX/XX/XXXX, there was a $ XXXX extra charge on my account. I also wanted to set up automatic payments. I was told I can do automatic payments and they do not know or can not tell me what the $ XXXX overage was for. I just need to pay, if I want, I could email customer service. 
SLS uses the fact that my home was not reaffirmed they can not help me only take my money. I am so frustrated. I DO NOT trust them. I can not ask them for help, they always tell me they can not help me. I was told by multiple this would happen and their goal is to take your home. I can go and on. I do not understand how I can balance after a modification and sheriff sale. I wish I never refinanced and stay with my FHA loan. It has been a nightmare since.

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 2023-01-25
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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have twice filed complaints with TransUnion regarding my credit report [ This after attempting to get a resolution with the " creditor '' in dispute, XXXX XXXX XXXX ], and I can not seem to get them to understand that the credit line is not mine. My ex-wife and I divorced in 2013. She took the XXXX ; I took the XXXX. Our Divorce Decree/Property Settlement states that she took responsibility for the XXXX and that I took responsibility for the XXXX. This is a court ordered settlement. TransUnion first said that the account was indeed in my name at the outset of the loan. That fact was never in dispute. I twice sent them a copy of the property settlement -- a legal document -- and they still will not correct it. The last person to whom I spoke said that TransUnion does not accept a court order as proof that the vehicle was not mine. So I now have a Trans Union employee informing me that TransUnion is not subject to the laws of a state in which it operates. Please do inform TransUnion that it is indeed subject to state laws, and that the property settlement which I twice supplied them DOES indeed mean that the loan in question was not mine and that they ARE required by law to remove it from my credit report. 
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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Monthly status history is missing

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service, I am writing to appeal the permanent limitation on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed by mistake, and I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any fraudulent activity. I have been a loyal and honest PayPal customer for many years, and I have always strived to comply with all of your policies and regulations. 

Secondly, I was taken aback when I received the notification that my account had been permanently limited. I have reviewed my account activity and can not identify any reason for such action. Therefore, I kindly request that you provide me with specific details on the reason for the limitation, as well as the evidence that was used to justify this decision. 

Thirdly, I understand that PayPal takes compliance with its policies very seriously, and I share this commitment to ensuring the integrity of the platform. However, I respectfully request that you consider my appeal and provide me with an opportunity to resolve any issues or misunderstandings that may have led to this limitation.

Finally, I would like to express my sincere hope that we can resolve this matter quickly and amicably. I value my relationship with PayPal, and I would be grateful for any assistance you can provide in resolving this issue. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Service Finance Holdings, LLC
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 is missing that should be on the report

Complaint:
I worked with a company to install a patio on my home at the time and the builder secured the financing for me. After, the work was completed a representative from the builder had me sign paper work verifying it was complete and contract for the financing. The paper work was very general to a normal installment loan. This was XX/XX/XXXX. I sold the home in XX/XX/XXXX paid the loan off in XX/XX/XXXX. There wasn't a lien on the property at the time the home was sold. 

I'm currently trying to close on a new home purchase with FHA financing and have learned that this account has been reporting a mortgage type account. The financing paper work doesn't say anything as a mortgage type account. This was never explained to me at any time by the financing company. This was also completely new to the builder as well. I didn't receive any disclosures stating this was a mortgage type account. The loan on the paper work shows a Home Improvement Installment loan. I was under impression that this loan was just a traditional installment loan that was secured by the materials used to build the patio. Again, for years there wasn't a lien on my property. Because of the way this loan is reporting to the credit bureau my mortgage lender can't get approval for me loan. I literally ready to close and this has delayed the process. Everything including the appraisal and title work has been completed. 

I have contacted both the creditor and filed disputes with the credit bureaus. I haven't had any success with getting the account to changed to something other than a mortgage type account. The financing company has provided a letter to state that it's not a mortgage account, but has not changed it with the credit bureaus. The lender needs it changed with the credit bureaus. The financing company is blaming it on the tri-merger report, but it clearly shows as a mortgage account directly with the credit bureaus. 

The financing company is stating that they're reporting correctly, but this it's the case and that's why they gave the letter. The company mentioned the Fair Credit Reporting Act, but failed to explain everything to me as the consumer. I think the financing company failed to inform me and the builder at to how this financing is setup. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MD
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:
To whom it may concern On XX/XX/XXXX I received the dispute for the investigation from Experian as the inaccurate account has been verified and updated from 3rd party collection agencies. In pursuant to 15usc1681a ( e ) investigative consumer report is there has to be an individual relating to me the consumer, whether it is neighbor, associate, and friends of the consumer who were interviewed about the knowledge of the account on my consumer report. Specific factual information is not included in part of the investigation of my consumer credit record, so the 3rd partys verification is not factual information. What is their method of verification? Who did they interview? What is his/her name? What did the individual say? If they do not have a specific individual being interviewed, then they have no method of verification. With no method of verification there is no evidence, failure to provide this information has broken the law and in violation of my right to privacy under congressional findings and statement of purpose. Then Experian would have to delete this account from my consumer report. Since the their of verification is not factual then I want " US DEPT OF EDXXXX '' DELETED FROM MY CONSUMER REPORT,

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XX/XX/2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: OH
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/2023 I sent in a letter to XXXX asking them to reinvestigate some inaccurate information I found on my report. I asked them to provide me with verifiable proof of these inaccurate accounts, and if they couldnt to Delete the accounts. To this date I have not received a reply.

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 2017-04-10
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was purchased by Dovenmuehle Mortgage on XX/XX/2017 from XXXX. XXXX bank sent a notice they would no longer accept payments effective XXXX XXXX, so I mailed my XXXX payment to the address provided for Dovenmuehle Mortgage. They cashed my payment on XXXX XXXX, but never applied my payment to my loan. Today is XXXX XXXX, and they still have not applied the payment. Dovenmuehle earning interest off borrowers money and causing borrowers principal balance to increase because the payment is never applied. I am confident this violates banking and consumer laws, and this must be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I had an identity theft for a loan at Capital One Bank. I never received a loan from Capital One Bank. I have been trying to dispute this loan for over a year. Capital One said it would be removed from record because it was fraud. I have filed several disputes with XXXX and they assured me that the account would be removed from my credit report. It has remained on my credit report I notified XXXX that it was still showing a balance and they said they would take care of it. As of today, I am still receiving credit alerts showing that my credit score has decreased more because XXXX XXXX XXXX  flagged my XXXX account which is not my account and was done through identity theft which was reported to XXXX XXXX XXXX  in XXXX XXXXToday XXXX reports that my account at XXXX XXXX XXXX is 60 days past due. I tried one more one more time several weeks ago to file a dispute on line about the fraudulent Capital One account continuing to show as " negative '', showing a balance and showing payments late on my XXXX  report. I was refused another dispute, instead a notice showed up saying I have reached my number of limits to dispute this account and the account has been closed. 
I first filed the complaint with CFPB  on XX/XX/2018. My grandmother was trying to help me and gave the person on the phone the information about my situation. He put her name on the complaint and sent it to XXXX and Capital One after she asked him if they would accept it with her name on it and he said yes.They sent notice that it was closed because she was a third party filing it. I received a letter from Capital One stating I could call and have my grandmother put on the account so she could speak with them. I called last week to put her on the account. The rep was very rude and said the case had been closed and therefore he could not put her on it, even after I explained I had receiving a letter just the last week advising me that I could do it. This has been the most frustrating, over a year long, stressful thing I have tried to do. It is unacceptable that someone can fraudulently charge something in my name and it goes on my credit report and it obviously takes an act of Congress to get them to actually take it off my credit report. And you are an act of Congress ( establishing your agency ) and I sure hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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: Personal information incorrect

Complaint:
My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed asXX/XX/XXXX. Also I never lived at an address in XXXX XXXX in 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 2019-01-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a claim of XXXX at Chase bank for a fraudulent transaction from XXXX and now the claim came back like i did it and now they are going to take out that from my checking account i am about to take this to small claims court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a personal Loan for {$70000.00} and told them I only needed {$63000.00}. I immediately sent/stated {$7000.00} will be return. I was charged interest on it and fees. Also my payments are auto payments and rather then taking the fund on the agreed date, they wait about to days to get the money out of a Wells Fargo account. When I make additional payment that place it as interest, rather than towards the principal. Their practices are questionable and need to be looked into. If I was a person, that does not monitor this, I would be robbed. They will do right for a moment, than go back and do the same actions and add fees. I send additional payments to go towards the principal, NOT the interest. When, you write the Wells Fargo, CFO, a certified letter, and the letter are resealed ( noticeably ) and returned without a response. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate their actions in depth.

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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

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