BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have been in contact with my lender Shellpoint regarding assistance with my home for quite some time with no results. They have repeatedly given me problems such as losing my documents, losing 3rd party authorizations, and at the end, refusing to request a figures for me to try and keep my home. I reached out to Shellpoint regarding a payoff and have been refused this info.. I was told they cant provide me estimated figures and Shellpoint also refused to order me one. That is their obligation to me. I am in default and in the process of getting a new loan to pay back ALL monies owed to Shellpoint as well as the foreclosing attorney/trustee quality loan. I stated to Shellpoint what my intention was, and they were of no assistance to me. I finally got the APPROVAL DOCUMENTS and now am being told by Shell Point that they do not even want to see the approval. That they do NOT want the money that is owed to them. I spoke to the SPC XXXX XXXX and she stated to send in the approval and that she would order a fresh pay off. It appears that XXXX XXXX was just giving me the run around as I sent the approval and now other Shellpoint employees are telling me otherwise.. I am getting contradicting info from every rep that I speak to. I have spoken to countless reps within Shellpoints institution, including supervisors, and no one has done anything to assist me. ( XXXX XXXX x XXXX was completely rude, Supervisor XXXX XXXX stated that they will not postpone even with an approval, XXXX XXXX x XXXX stated that she WOULD place the pp request and then came back and said she was told she couldnt place it ) I have been given the run around, transferred countless time, and disconnected on. I truly believe Shellpoint is discriminating against me and my family based on my race, ethnicity, and national origin, and that they prefer for me to lose my home instead of giving me the opportunity to keep my home. There is no tangible reason why they would not assist me with the steps needed to prove to them I was getting a new loan. I am requesting a pp of my sale date so that the loan can close, and all parties can be paid. It doesnt make sense that Shellpoint is refusing to have the debt paid off in full.I called the trustee/ Attorney and stated that I have the approval and requesting them to assist me and they stated they can't. They stated I need to deal directly with Shellpoint. I am demanding my sale date be postponed or I will move forward naming Shellpoint and Foreclosing Attorney XXXX XXXX XXXX as defendants in Civil Court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
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:
THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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 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 2022-08-12
Company: Entrata Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I went on the XX/XX/22 to apply for an aparment I ask for the requirements for that and I got told the they run the credit and we need to make 3 time of rent to get the place Okay on XX/XX/22 we did the application but I call the person and I told them clearly that my incomes was high but my credit low and if that its still not qualified for that the lady told me thats fine how many people is apply i told her 3 but 2 of them didnt make enough money and the 3 person who is my mom shes not income but good credit she told me well thats okay you can qualify I need you to pay XXXX dls fee plus XXXX dls for deposit and hold the place ntill we do all the process after one week no call on XX/XX/22 we call they said yeah you can get the place today I just need some information we wait on XX/XX/22 at XXXX am they call me to tell me the they didnt run my credit and the we got denied when they told us were going to get the place and when i call they told me first the it was one of my roomates credit the they were to call to see because an fraud alert and at XXXX the same day i call and they told was because of my credit but my credit was frozen thats why they got that alert now we didnt get the place and we losse the money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Trying to link my XXXX  investing account to my PNC bank account ( which I have previously done in the past ) and am unable to because XXXX  is stating that PNC is not allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights please remove late payment

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 2023-06-21
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2022-12-26
Company: EQUIFAX, INC.
State: IN
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 has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft XXXX XXXX XXXX I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX Fraud Resolution Team Refuses to Investigate and Require Immediate Termination of ALL Illegal XXXX Credit Card Accounts Immediately in Written Disclosure by Federal Law in Consumer Securities Lender Inequities ( XXXX XXXX XXXX XXXX Indemnity ) This Criminal XXXX XXXX Identity Theft was Confirmed by XXXX XXXX Auditor on XX/XX/2022 Without Resolution because the XXXX XXXX  Admitted that Additional XXXX Credit Card Accounts required Internal Employee Audit ( Character Assination by Conspiracy in Illegal XXXX Deployment Classification Scam ) This Fraud and Character Assination involves the Texas Attorney General XXXX XXXX that Is Required to Provide An immediate Court Order to XXXX XXXX XXXXXXXX XXXX in Conspiracy Theft Of Multiple Unauthorized XXXX XXXX Indemnity in XXXX XXXXXXXX XXXX by Illegal Deployment Classification Indemnity ) Contact The Attorney General AND Demand Action against XXXXXXXX XXXX for A Malicious Financial Fraud without Resolution for 24 Months!!! 
XXXXXXXX XXXX Member Advocacy XXXX XXXX is Required to Terminate ALL Fraudulent Accounts Immediately! 
Her Personal XXXX Business Telephone Contact is ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Fraud Agent XXXXXXXX XXXX has Not Returned Voicemail Messages for Seven Months and is Obstruction of Justice in XXXX XXXX Indemnity The FBI is Conducting A Criminal Identity Theft Investigation in XXXXXXXX XXXX Relocation in XXXX XXXX Nevada by Agent XXXX in XX/XX/2022 by Claimant in Recorded Deposition Investigatiing XXXXXXXX XXXX In illegal XXXX XXXX Indemnity with Case Number This Identity Theft Crime was Submitted Online to the Consumer Financial Protection Agency in Washington DC ( FBI Washington DC ) with Case number To Investigate thXXXX XXXX XXXX in XXXX XXXX Texas in XXXX XXXX Indemnity!! 
XXXX XXXX XXXX XXXX Due Process of Law!!! 

















XXXX XXXX Indemnity on This Character Assination by XXXX XXXX XXXX XXXX XXXX XXXX Due Process of Law

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have 2 late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have made inquiries without my authorization. This has negatively affected 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
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:
I have a valid complaint of a violation that XXXX has placed on my credit report. As a consumer I know that congress has said that a creditor may not report information pertaining solely as to transactions or experiences between the consumer and the person making the report which was XXXX. Because XXXX violated my rights by placing a " 30 day late '' on my credit file. The credit reporting agencies has put inaccurate information on my credit report without properly verifying the information was correct and accurate. I contacted Experian and XXXX by phone expressing my concerns in XX/XX/2023 disputing the inaccuracies. Seven days later Experian emailed me saying that the information was verified and accurate. XXXX never responded back. So I then sent a letter to Experian, XX/XX/2023, CERTIFIED MAIL NUMBER : XXXX XXXX XXXX XXXX XXXX explaining to them how they are in violation pursuant 15 USC code 1681a 2 ( A ) ( i ) and that I wanted it to be updated to " PAYED AS AGREED NEVER 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Wells Fargo Bank reported to the Social Security Administration that they had or have sent me an actual check and reported me to the social security administration as Income Therefore the Social Security Administration has been penalizing me into payiing this money back to the XXXX as overpayment and me not reporting it as income, The amount is to be {$5200.00}. 
I have asked Wells Fargo Bank to send me a copy of the check they gave to the XXXX which I also asked the XXXX for a copy of the check, to no avail from both offices. 
as of this writing : XXXX XXXX. 
I believe this matter has been going on now since about XXXX after several calls to both entities. 
I can provide more details on dates and several persons names of both entities. 
Your full and prompt cooperation in this matter will be greatly appreciated. 
Sincerely. 
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 2022-12-26
Company: Experian Information Solutions Inc.
State: IN
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 has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.

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 2023-11-21
Company: Experian Information Solutions 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 sent my FTC report, Florida Drivers license by certified mail to XXXX, Experian, and XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently become a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ). The report numbers for your reference are as follows : XXXX and XXXX. As a result of this identity theft incident, I have identified discrepancies in my credit report that require immediate attention and resolution. I am requesting a thorough investigation into the inaccuracies present on my credit report, with the aim of rectifying any fraudulent entries attributed to the identity theft. The details of the disputed accounts are as follows : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2023-11-21
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: Information belongs to someone else

Complaint:
I sent a letter on to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX APT XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX CT XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX  Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : PARAGON XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$780.00} ; XXXX XXXX XXXX MO XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$740.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; MAVERICK XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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