BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by another loan company after closing without my consent. I am a XXXX XXXX XXXX veteran, tax exempt in the state of Texas. The new mortgage company said I owed taxes for 2022 which I am exempt. They paid city taxes, etc. I sent over letters from the county appraisal district and the County tax office stating I was and am exempt from property taxes, school taxes, and district taxes. My mortgage company states since they paid the taxes they must wait for the county tax office to reimburse them before adjusting my loan payments. Currently the mortgage company increased my monthly payment {$2100.00} to pay for negative escrow and refuse to adjust although the county tax office has sent letters and assurances they will reimburse the payment made. I am a XXXX XXXX XXXX veteran on a fix income and cant afford to keep making an additional {$2100.00} on my mortgage as I have been since XXXX so I dont get late payments on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: CT
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 tried writing to this company to advise them that the account, XXXX XXXX XXXXXXXX was inaccurately showing on my credit report. I never has an account with this company and neither did I pay them any money. I paid money to XXXX directly in the amount of {$270.00} with whom I had an account. This account needs to be taken off of my credit report immediately

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan with Loan Depot in XXXX, XXXX. A Loan Number ending in XXXX was assigned to my account when I closed the loan. Right away, I set up an auto payment from my XXXX XXXX Account to Loan Depot with the original account number ending XXXX. These payments were scheduled to be made by XXXX XXXX over 5 days in advance of the 1st and well before the late date of the XXXX of the following month. The loan payments were made time, and accepted and credited to my account ending XXXX by Loan Depot until XXXX, XXXX. 

For some reason, and without notice to me, Loan Depot changed my account number to a new number ending XXXX even though Loan Depot continues to service my loan. 
In XXXX and XXXX, XXXX, XXXX XXXX continued to pay, timely, the payments to Loan Depot under the old Loan Number ending XXXX. 

Instead of transferring the payment to the new Loan Account number or crediting my account or even contacting me, my timely payments were returned ( after the payment due date and late date for XXXX and XXXX, XXXX. 

I was unaware the payments had been returned. I had set up the auto payments so that I could travel out of state to care for my son who had been in a serious accident and needed hospitalization in XXXX. I did not return home late XXXX to find a late notice from Loan Depot. 

I immediately contacted XXXX XXXX and determined that the payments had been made on time. I then contacted Loan Depot, made a payment over the phone for XXXX and XXXX and asked the Loan Depot representative to investigate what had happened on their end. Loan Depot 's representative acknowledged they had received the payments on time but returned them because they did not have the right account number. Loan Depot then waived the two months ' late charges acknowledging that the payments had been received but returned. I also asked and was informed that they had not reported my loan - " late '' to any credit reporting agency. 

As a matter of fact, the statement was false. The credit bureaus have reflected that my payment was late. This false statement has resulted in a derogatory mark and materially impacted my credit score, and my mother 's credit score ( she is a co-borrower ). After I discovered this, I called Loan Depot and requested they correct the report. This time they refused and insisted I write to their customer service department. I did write and a few weeks later, I was told that they had denied my request - that my payments were late. 

There was no reason for changing my account number and while I did everything to ensure my payments were made on time, this action on Loan Depot 's part, changing my account number and refusal to accept a timely payment has caused serious damage to my credit and to my mother 's. 

I request that Loan Depot take action to correct their false report of my mother 's and my payment history to the credit reporting agency - report my payments as " on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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 am submitting this complaint for you to investigate this informations regarding the erroneousness of the accounts in my credit report. The unverified accounts indicated here in my complaint continue to report on my credit report despite several written requests. Please follow the law so that this situation can be settled quickly. Please conduct some investigations and i want some changes in my report and for that, i want a clear copy of my report without any error again. These following accounts must be in appropriate corrections : XXXX XXXX XXXX Opened XXXX. XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2019 Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I paid XXXX XXXX credit cards off..I had 2 cards one for XXXX the other XXXX ... Don't know why it's on my credit report saying close and sold.. please check your file and you will definitely see that I been paid this ... this is hurting my credit 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 2023-06-10
Company: TRUIST FINANCIAL CORPORATION
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:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score.

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 2021-05-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I the consumer have contacted SANTANDER CONSUMER USA several times in regards to violations to my consumer reports requesting validation of listed account on consumer reports. I have yet to receive a response in regard to listed account. I have attached copies of letters sent requesting validation. Account does not belong to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I purchased two XXXX XXXX, during a promotional deal where you buy one get one free for the price of one. The price of the phone was {$590.00} USD and the condition to receive the deal was only adding an additional plan to my XXXX XXXX account. I previously had an XXXX XXXX XXXX  with a monthly bill of only {$55.00} USD. I been a loyal customer to XXXX for over 8 years, while serving the United States XXXX XXXX and upon separating from XXXX XXXX and entering the XXXX XXXX , I hadnt experienced any bad service nor had a late payment of any sort. The Sales representative in the city of XXXX, New Jersey. Assured me that I will get a bill in the next two to three months reflecting the payment due amount of the phones with the promotional credit, which should have added up to the {$590.00} USD. This was the agreed upon amount at the time. I waited and waited and didnt see a bill till four months later and when the bill was viewed and received it was in collections without my knowledge. I called the location, where I purchased the phones and no response. I called XXXX business assistance number and they assured me they will take care of it in seven business days back in XXXX of XXXX and nothing was done of it. At this time the account never reflected the amount due accurately, due to it being sent to collection but it hadnt hit my credit score at that time. I proceed to the nearest XXXX store in my area. I spoke to four XXXX representatives, who put me on the line with XXXX billing issues for XXXX XXXX account holders again. They assured me they would fix the issue and again promised for it would be fixed in 7 business days and again nothing was done of it. A week or so later I went back to the same store in XXXX XXXX XXXX, Florida. I spoke with the store manager a miss XXXX, and her team of XXXX, XXXX, which were on the line with the XXXX representative via phone again. They tried to correct issue, and nothing came out of it. I called the store a week later as a follow up as miss XXXX suggested to check back in. Do to her telling me she would escalate my issue up her chain of command. I called and she stated she would give a call back didnt get a call back. I called back and she stated she is working on it. Check again later during week. Now its XX/XX/XXXX issue wasnt resolved, and their collection agency finally attacked my credit for the full amount of both phones {$1100.00} USD.

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 2023-11-22
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more

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 2021-05-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had my bank account liked to coinbase. Someone hacked my account and made unauthorized transactions to coin base worth about XXXX dollars and then transfer those funds/crypo to their own wallet. 

i am at the loss of XXXX dollars now, I tried to get in contact with coinbase and they were no help. 

i also asked my bank tp help recover my money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
File # XXXX XXXX, XXXX XXXX I received a response from the TransUnion regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from TransUnion regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on WWW.TransUnion.COM/LEGAL/PUBLIC-RECORD. 

Based on the information I gathered on the website it was " XXXX '' that furnished the erroneous item to TransUnion. This was taken directly from TransUnion 's website " For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX I then again contacted XXXX about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on TransUnion 's website, XXXX reported that unverified information to TransUnion. The date my credit report was updated by TransUnion was 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-05-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Midland finicial funding keeping reporting on my credit the wrong info thos case was closed and needs to be river from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX  # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: DE
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 2022-10-17
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 multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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