BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had an account with Wells Fargo back in 2016 for an insurance policy they offered with a partnering company back then. I never received the I surance cars to use so I called them on a number on which nobody ever answered. I tried to cancel it through WF, bit was told by their agent I " must cancel it with the provider ''. I never got through and I couldn't cancel it which seemed like suspicious business practice. Since I couldn't cancel the service or charges I closed my account in 2016 and switched to chase. I do believe I heard WF has a lawsuit against them regarding this so I would like to be compensated for this horrible experience.

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 2021-11-18
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying for a refinance of my income property. I have submitted all statements, proof and information XXXX has asked for including direct access to my income taxes. There was only one item that I had questioned. They want me to sign a Third Party Authorization Form that covers a large list of items that they told me they do not need, " the amount and source of the down payment, employment and income information, and assets and liabilities. '' and " I/We authorize you to provide to Lender and to any investor to whom Lender may sell my mortgage, and to the mortgage guaranty insurer ( if any ), any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income ; bank, money market, and similar account balances ; credit history ; and copies of income tax returns. '' I asked the Manager on my account if the form could specify an end date on the document and if the form could list what they wanted access to more precisely, before I signed it. They denied both these requests via email, at first stating they could not legally change the document, then stating that it was against their policy to change the document. I asked them what they still needed for my application as I has submitted everything they asked for. The answer was, " We will conduct a verification of employment within 10 days of your closing date. '' I told them I would be happy to request my company give them access to my records. They stated, " As of right now that is all we would need, however, please keep in mind that your file has not been submitted for final review to our Underwriting team. Just to be very clear, we will ultimately need that third praty authorization form signed. We will not proceed with the loan if that form is not signed. '' I am an older person trying to limit my exposure to fraud and advertisement. I am fearful that even though XXXX assured me they have all the documentation they need from me, they said they will turn me down for a loan if I don't sign an unnecessary document so they and their business partners have access to seemingly unnecessary information. They are unclear as to why they are insisting I sign this Third Party Authorization or they will deny my loan. 

I do understand I can go to another company with whom I haven't had this issue, but the rate would now be higher since I already locked in with XXXX. Now I am concerned there will be retaliation after I have questioned them. In the past, I have always provided any documents asked of me in this process. This seems odd and overly aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}.

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 2022-06-01
Company: Advanced Resolution Services 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: Personal information incorrect

Complaint:
Hello CFPB, Attention Advanced Resolution Services ( ARS ) representative, XXXX XXXX, Consumer Office XXXX Please reference the previous CFPB complaint number : XXXX Please instruct the company to open the attached PDF. It includes all identifying documents needed to correct the problem I'm experiencing. 

=== OPEN THE PDF NOW PLEASE === The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over XXXX Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX Live XXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I inquiring about a bankruptcy that is on my consumer report that I did not authorize to be reported. I have reason to believe and do so believe I am a victim of aggravated identity theft under Title 18 USC 1028A on different occasions as TransUnion and XXXX XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I have requested validation numerous times and have not received any. Notice 15 USC 1611 ( 1 ) Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined {$5000.00} or imprisoned not more than one year or both. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this. I demand that you cease and desist of this activity as soon as possible with in 7 days of receiving this notice. This includes eliminating this bankruptcy and anything pertain to it from your records, discontinuing and retracting reports you may have that I did not authorize. If action is not taken by you to cease and desist within the allotted time frame I will have no choice but to take legal action against your firm.

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 2021-11-18
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnionhas NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-11-18
Company: Experian Information Solutions 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:
Hard inquries are not mine. 
XXXX and 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 2021-06-18
Company: Capital Link Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 Dear Sir or Madam : On Monday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX a collection company - ( attached ) concerning a debt that I supposedly owe to XXXX Bank. There is a secondary collection company named Capital Link Management who is also named as a debt collector. 

Both of these collection companies have received numerous complaints against them for various violations of the Fair Debt Collections Practices Act. 

I have tried calling the number on the letter to find out what this is about but no one picked up the phone. I was only able to leave a message. However, today is Friday, XX/XX/XXXX, and I still have not received a phone call back. 

This concerns me because I have never heard of any of these companies before. Not XXXX Bank nor Capital Link Management noXXXX XXXX XXXX XXXX XXXX And as such, I have never had any dealings with them let alone owe them the money they claim I owe them I am contacting you to let you know that all of these companies are obviously conducting fraudulent actions against me and I ask that you take a hand in the matter. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-07-13
Company: EQUIFAX, 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:
There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I want my employment information deleted. I did not give permission for any of my employment information to be provided. I also want all addresses that I DO NOT live at deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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:
XXXXPaid in full 2nd Mortgage to XXXX when we sold house. 1st Mortgage was paid in full on same date Experian reported the payoff as a short sale, which it was not. We paid it in full! XXXX and XXXX reported it correctly. 

XXXX Sent in dispute, unresolved XXXXTrying for new Mortgage and it is showing same status. Can not complete Mortgage application without clarification. 

XXXXSent in 2nd dispute and 3rd dispute. Both times they are saying the documents I attached were unreadable but both disputes are unresolved. Waiting over 2 weeks for answer. 

XXXXspoke with dispute center and sent a 3rd copy of the documents. Now waiting an additional day to see resolution. 

XXXX-Spoke with Mortgage company-XXXX and they stated they never reported it as Short Sale and will send documentation to Experian.

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 2023-02-04
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage took over as the servicer for my mortgage in XXXX of XXXX. Since then, I have not been able to log into my online portal to review, pay or change my loan. After many phone calls over the last 8 months, they have been unable to fix my web portal. 

With my previous loan servicer, XXXX, I was on a forbearance program due to losing my job during the XXXX pandemic. When Shellpoint took over my mortgage the continually mishandled the forbearance. They repeatedly told me over several months that I was not on a forbearance program and every time I had to correct them. When the forbearance program ended, Shellpoint did not contact me in the same way that XXXX was handling the forbearance. 

Because I was not able to use the web portal and the lack of communication from Shellpoint, I missed the first payment because I didn't know when the forbearance ended. 

Shellpoint then reported me to the credit bureaus as almost {$28000.00} past due late on my payments, and reported my principal as {$30000.00} more than the actual amount. My loan principal is now being reported higher than the amount the loan originated at in XXXX. 

Customer service can not do anything to fix any of my issues. The " Loan Servicing '' department under no circumstances will communicate directly with customers and as I'm told they are the only ones able to fix loan issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
15USC 1681a @ ( A ) ( I ) Exclusions- except as provided in paragraph ( 3 ), the term consumer report does bot include -- ( A ) Subject to section 1681s- 3 of this title, any I demand the following accounts be verified or deleted immediately. 

XXXX XX/XX/XXXX late payment reverse XXXX XX/XX/XXXX please remove XXXX remove account inaccurate information not on all XXXX XXXX XX/XX/XXXX remove account XXXX XXXX late payment reverse all 4 of them Inquiry ; XXXX XX/XX/XXXX Inquiries remove XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation