BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My complaint involves all of the credit reporting companies, as I know at this time. One of my credit card companies sent a letter stating my credit score had been dropped to XXXX based on reports from one or more of the credit reporting companies. I have tried to talk to someone with those firms in order to obtain information on which they furnished showing the basis of the score. The system they use for call in service does not allow one to speak with a person to either give or obtain information. The most important complaint I have is that credit reporting firms do not attempt to talk to consumers in order to get the other side of a dispute. They primarily use information furnished by creditors on disputes. I was never contacted by anyone asking for my side of any problem. This is totally unfair in a country where, if one is accused, the plaintiff must present proof of an accusation. Obviously, no attempt was made to develop the truth in at least this incident.

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: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.

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: LEXISNEXIS
State: GA
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:
XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My mortgage processor incorrectly reported my 30/60 days behind at beginning of my covid forbearance. 

They have since suppressed the reporting. I have contacted and opened multiple disputes at Transunion. Transunion tells me that there is nothing negative on my credit report to dispute and that my report is fine. 

But Im being declined for credit from XXXX XXXX and the key factors are " serious delinquency '' clearly on my credit applications. I also have XXXX reducing my credit limit and when I look at my Fico score it says " serious delinquency '' I have asked multiple times to speak with a supervisor but I dont receive any calls back. 

Even inside Transunion account it says accounts with adverse information and lists my mortgage processor. 

See the attached documents

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 2020-06-16
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. I was with XXXX XXXX XXXX  XXXX until XX/XX/XXXX when I received a letter that my mortgage has been transferred to a new company called NewRez LLC mortgage company located in North Carolina. I also received annual escrow statement and shortage {$270.00} in my escrow from XXXX XXXX XXXX instructed to forward the payment to the new mortgage company, NewRez LLC before XX/XX/XXXX. 
2. I issued a check in the amount of {$270.00} to NewRez LLC according to the statement indicating my monthly mortgage payment will decrease from {$1100.00} to option 1 amount of {$1100.00} including taxes and insurance. recieved My mortgage was transferred from XXXX XXXX XXXX to NewRez LLC effective XX/XX/XXXX with a monthly payment of {$1100.00}, including taxes and insurance. According to the notification letter from XXXX XXXX XXXX, there will be no changes to my mortgage policy with NewRez LLC. Nevertheless, NewRez rather started billing various inaccurate statements with increased payments monthly even though my mortgage was at a fixed rate. The Monthly statements are attached for your verification. 
3. I contacted NewRez LLC several times to make my complaints, but to no avail. Afterwards, I wrote an official complaint letter to the company, but received a response stating my assigned mortgage company is located in New York and should be the correspondent to contact. Refer to the attached letter for your verification. Initially, I was never aware of NewRez LLC because I never requested the mortgage company to take over my mortgage policy from XXXX XXXX XXXX, and neither have I requested a loan from NewRez LLC. I am currently paying the supposed amount of {$1100.00} monthly mortgage after NewRez LLC received the escrow shortage of {$270.00} paid to the company on XX/XX/XXXX, which took effect in XX/XX/XXXX. 
4. The following documents are available for your verifications : a. XXXX XXXX Annual Escrow Disclosure Statement b. Copy of check for escrow shortage issued to NewRez LLC in the amount of {$270.00} c. XXXX XXXX XXXX notice of service transfer d. Transfer notification letter from NewRez LLC Mortgage e. NewRez LLC reply letter f. Complaint letter to NewRez LLC mortgage company. 
g. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} h. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} i. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} j. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} k. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} I  had a fixed rate and yet my mortgage statement is changing increasingly every month. I only have few years left to pay off my mortgage. But NewRez LLC is rather breaching my mortgage agreement policy by wrongfully increasing my payment rates in order not to have any other choice but to refinance my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a user of the Venmo mobile payment system. I was using the system in connection with my role as a XXXX for the senior graduation party ( referred to as " XXXX '' for XXXX XXXX XXXX ) at my son 's high school. 

Many of the parents were sending me money for the party via Venmo, and I, in turn, was sending it on to the treasurer of the event whose Venmo account is @ XXXX. 

On XX/XX/2022 ( the night of the party ), at XXXX XXXX, an unauthorized transaction from my Venmo account in the amount of {$1000.00} was sent to @ XXXX with the notation of " XXXX ''. I noticed this unauthorized transaction on the morning of XX/XX/XXXX, and immediately contacted Venmo. I was advised by Venmo that my account would be frozen ( which it was and has been ) and they would research the situation and get back to me with a resolution. 

Despite emails to the contrary, nobody from Venmo followed up with me. As such, my husband called Customer Service on my behalf, on or about XX/XX/2022 and again made Venmo aware of the situation. A provisional credit of {$1000.00} was issued ( properly ) at that time, though the access to my account ( and thus the credit ) remained frozen. 

Shortly thereafter, and with no explanation or discussion with me or anyone else to my knowledge, Venmo concluded its inquiry, determined that the transaction was not unauthorized, and took back the provisional credit. There was a reference to " documentation '' used in making its determination, but all that was provided was a screen shot of transactions ( which I have attached ). I note that @ XXXX did not show up as a Venmo account on XX/XX/XXXX when I discovered the transfer, nor do I believe has it been accessible since that time ( suggesting that it was a fraudulent account ). 

I have continued to try to resolve the issue with Venmo, have made them aware of their obligations under Regulation E and the Consumer Finance Protection Act and in response, all that I have received is form responses from " Team Venmo '' suggesting that I file a police report and other reasons that they can not research the matter or return the money taken from my account by a fraudster. Clearly they have information on @ XXXX that I do not, and it should have been as easy as investigating that account for fraudulent activity, but instead, Venmo has not complied with its obligations under federal law and instead given me the run around. I am still out the {$1000.00} as of course I needed to make good to the treasurer and remit the funds that I received properly from parents. 

Thank you for your anticipated cooperation. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe Wells Fargo should not collect a fee on an equity mortgage application until the credit has been approved as my wife and I are told we have to wait 30 to 45 days for a refund. We have some money, so we can wait but what about people who are broke and apply and are put in the same situation as the fee is over XXXX dollars. The following is what happened : On XX/XX/2018 my wife and I applied for a home equity loan against our newly built fully paid for home. XXXX loan with XXXX home value. After two weeks on XX/XX/XXXX were told to pay a fee of XXXX to allow the process to continue and were told the loan should go through by XXXX XXXX, which we paid.. I was told to call the bank the morning of XX/XX/XXXX and found the loan had been declined. I would like the XXXX back, as I believe the bank should have told us prior to paying a fee, the loan was declined. No appraisal was ever performed. I believe the fee was requested just to collect money. The bank should not collect any fee until the loan is approved.

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 2023-04-20
Company: Brightwater Capital, LLC
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: Information belongs to someone else

Complaint:
there is this account tbom retail as XXXX balance on my credit report on all 3 bears the first 12 digits of the account number is XXXX the last four I do not have I hope this helps you find the account it claims it was sent to bright water capital, LLC there phone number is XXXX there address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 HAVE FILED DISPUTES AFTER DISPUTES FOR A VALIDATION NOTICE AND I CONTINUE TO GET THE SAME RESPONDS AND THEY ARE REPORTING IT AS ACCURATE INFORMATOION BUT NOT REPORTING HOW THE INFORMATION WAS OBTAINED I HAVE SUPPLIED A LETTER FROM THE ORIGINAL CREDIOTR SAYING THEY DO NOT REPORT TO THIRD PARTIES AND THEY STILL WILL NOT REMOVE THE ENTRIES FROM MY CREDIT REPORT CAUSE THEY ARE NOT RECEIVING THE INFORMATION FROM THE ORUIGINAL CREDITOR. 
SO IN THE LETTER THEY ARE SENDING STATING ITS XXXX INFORMATION WHERE IS THE VALIDATION OF THE ENTRIES AND WITH WHOM WAS IT VERIFED WITH AND WHAT IS THERE POSTION ADDRESS AND TELEPHONE NONE OF THAT IS INCLUDED IN THEIR RESPOND.

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 2020-06-19
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I could not find an option to properly describe what is happening. The company is called MBA Law. They have continually added a debt to all three credit bureaus, for around XXXX XXXX. They are marking the debt brand new, dated XXXX of XXXX. The actual debt is from a hospital and is from XXXX. I have successfully had the collection removed for this going on two times. They keep adding it back on. Not only are the dates incorrect, but every time they add it back my score drops. This is completely unfair. Im doing so well at rebuilding my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included in the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) on a consumer report is clear violation of the XXXX XXXX compliance. Provide me with XXXX XXXX compliance disclosure on reporting transactions to a consumer reporting agencies. I need the transactions reporting late, collections/charge off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in collections/charge off status WITHOUT MY PERMISSION and WITHOUT mailing ME A 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/chargeoffs and late payments on my consumer report are in violation under 26 US. 6050P Returns related to the Cancellation of Indebtedness but Certain Entities. If these derogatory account information is not deleted from my consumer report within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all entities. ALL OF THE FOLLOWING ACCOUNTS TO BE DELETED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquires And all student loan accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX | XXXX  Account # XXXX | XXXX  Account # XXXX | XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 an account without my written instruction.

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 2023-10-19
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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: Experian Information Solutions 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:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXXXXXX XXXX XXXXXXXX XX/XX/2023 ). I am not the one who initiated the inquiry. I submitted a complaint last XX/XX/2023 but it was closed immediately. I am submitting a new complaint regarding this inquiry and for assistance to REMOVE it from 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute the incorrect reporting status of my XXXX account with Transunion on multiple occasions. On XX/XX/XXXX I was provided with dispute results from Transunion and they said the updated the Rating but there was not an issue with the rating to be updated to. The issue is with the pay status and that it is listed as an adverse account when it should not be. This XXXX Account as been closed and paid in full since XX/XX/XXXX. On the Transunion website, the payment history shows that I made payments on time and in good status for the past 7 yrs but the remarks on the account are listed as follows Maximum Delinquency Note : " Maximum Delinquency of 30 days in XX/XX/XXXX, Estimated month and year this item will be removed XX/XX/XXXX '' and Pay Status " Account 30 Days Past Due Date '' ( this is uploaded as proof from my Transunion credit report ). This account is not delinquent and should reflect the correct information. I tried to dispute the inaccuracies again in XXXX but the dispute did not show up as filed. On the XXXX XXXX website, The XXXX account has " Current payments status 30-59 days late '', again which is inaccurate ( proof uploaded ).

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 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation