BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-23
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: Account information incorrect

Complaint:
I have tried several times to fix my credit with the credit bureaus, I have sent letters specifying the accounts that are being reported erroneously and I have even pointed out errors. 

How is it possible that the credit bureaus are reporting the same account but with different dates and different reports, they are supposed to report correctly, I have the right to a fair credit according to the FCRA, this violates my rights as a consumer

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Is XX/XX/2022 I was moving and needed a credit report for new landlord. 
I began being charged {$22.00} a month from Experian. I tried to call to cancel there is no customer service phone number. I tried responding by email, no response. I contacted my bank, XXXX, they told me various things in my many phone calls. If chase aggreed and credited me 2 months and cancelled the debt. Experian would reverse the credit and continue charging me. What did i need to do to cancel they must have known i was trying to cancel. EVENTUALLY, I got a XXXX representative who knew what to do and was able to cancel my subscription. She also credited me 2 monthly chareges because she was able to read notes on my account and see that i had tried to cancel this action. Experian reversed the 2 month credit and sent me an email that i was now on the free membership. I want nothing from them!

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 monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried several times to fix my credit with the credit bureaus, I have sent letters specifying the accounts that are being reported erroneously and I have even pointed out errors. 

How is it possible that the credit bureaus are reporting the same account but with different dates and different reports, they are supposed to report correctly, I have the right to a fair credit according to the FCRA, this violates my rights as a consumer

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 checked my consumer report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My consumer report lists the following issues/accounts as needing investigation and correction due to inaccurate reporting in my file. Ive sent letters including my FTC report to Transunion on XX/XX/XXXX tracking XXXX. Transunion refuse to investigate. I sent in a reinvestigation request and along with debt validation XX/XX/XXXX and XX/XX/XXXX tracking XXXX and XXXX Transunion still have not sent me any documents including my signature to verify these accounts. The account are listed below. Please send me proof of debt with my signature or remove these inaccurate accounts from my consumer report. Here are the accounts I need investigated and validated accounts 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 2022-05-23
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am the account holder of a couple cash out accounts one business XXXX XXXX and 2 personal XXXX  XXXX and XXXX XXXX I had to factory reset my phone and I lost access to my business account and by accident created XXXX XXXX. I have contacted support to get access and or merge my accounts and I did everything they asked to verify and also I went out of my way and sent my birth certificate, social security card, copy of dl and a selfish of myself holding my dl and they have just quit responding telling me there is no information that they can give me about my case. I have nearly XXXX in my business account an s need access to it. I'm currently XXXX and this is worsening my situation. I need access or for them to merge my accounts so I can have access to my money. Please help this has been going on for the past 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is not that I cant pay my mortgage but that I have an escrow account and Shellpoint Mortgage Servicing has not payed my taxes we have called they said the taxes will be payed dont worry I have been down to my town hall 3 times and Shellpoint still has not payed my taxes yet. We have called Shellpoint 3 times and 3 times they said they were in the process of paying the taxes. Apparently they are lied since now I have to come up with around {$4000.00} dollars to pay taxes that I have given this mortgage company to pay or the state of New Hampshire is going to put a lien on my house this is unacceptable someone needs to do something about this mortage company how is this ok to take poeples money and not pay what they are supposed to pay. Thats what we pay them for. Shellpoint needs to be looked into cause if they go belly up I will be out a lot of money and Im sure other people will be too. Unacceptable!!! 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX I was purchasing a new home. My loan officer asked me to unlock my credit. I had locked my credit with XXXX  and XXXX, because they offer free online accounts to lock and unlock ones credit at will. So I unlocked XXXX  and XXXX. My loan officer came back to me and said, Experian is locked too. Experian charges {$25.00} for the ability to lock and unlock at will service. I was surprised. When I went online to research and remove the credit freeze, I noted that an email address not associated with me had set up the freeze. It was very scary. So I worked with Experian to remove the freeze temporarily and change the email address to my email address. I also asked them to mail my PIN since the person who created the account is the only one who has access to the PIN. I still have as of yet to receive the PIN. I am currently trying to replace the vehicle we have and the company needs my income in order to do so. I tried to go online and lift the freeze, but they are stating that I need to mail in the request, which I am now forced to do. I can't upload the information, even though they offer that if I wanted to just pull my credit report. I don't want to pay {$25.00} a month to control my own credit, so I have to snail mail in my documentation forcing a 5-7 ( not a confirmed timeline ) day wait for me to access my own credit. I feel this is their way of giving consumers no other option but to pay {$25.00} a month to access their reports. If it wasn't, I should either be able to upload information or answer questions about myself and access my credit. Hopefully the lender will work with me because they were able to pull my XXXX  credit, but they only use Experian for final approvals. This is an unfair practice where I am unable to have access to my own credit. I should never have to pay to have access to my credit in real time. XXXX  and XXXX  do not force me to pay to do that. I believe actions should be taken to force them to allow access to real time credit. Other services can be paid services, but it is my credit. I should control the lock and unlocking of it. IT is stressful because of someone else I have to go through so much for my own 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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 2022-05-23
Company: I.C. System, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a unpaid XXXX account that closed XX/XX/XXXX. Credit report renewed account as of XX/XX/XXXX and dropped my credit score down all the while renewing the 7 year countdown. I contacted XXXX who contacted the collection agency and asked them to change the account dates on my credit report to the correct date of XX/XX/XXXX. XXXX sent me a letter showing my account closed on XX/XX/XXXX. Nothing was fixed. I contacted ic systems and asked them to fix the date they refused stating they are allowed to renew the date.

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 2019-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that they intend to file a 1099-C form for a debt that I have disputed as being valid from 16 years ago. This is a violation of collection laws as my request to provide proof of debt with the former collection agency regarding this debt went on deaf ears. Additionally, this debt has lapsed all of the time limitations of my state and is not able to be collected legally. This law firm is infringing on my legal rights. In addition to filing a CFPB complaint, I will also be filing an IRS 1099 complaint against this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had started a new job, that I never told the bank about because I didn't even have a month working their, and while I was home before going to work one day, ( XX/XX/2019 ) I get a call and text message from my supervisor telling me that agents from the bank are at my job place looking for me, and left a card with the supervisor about my debt.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' 1, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXXXXXX XXXX XXXXXXXX ( see attached 2 ) and note sale and balance ( attached 3 ).

2, Remove or provide signed document that has both my wife and my name that supports the 600 month term ( attached 4 ).

3, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our 23 consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX XXXX XXXX ( XXXX ) according to the XXXX XXXX XXXX. There is an {$3700.00} difference according to the XXXX XXXX XXXX. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXXXXXX XXXX XXXXXXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXXXXXX XXXX XXXXXXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.

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 2022-05-23
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I WANT TO COMPLAINT FOR THE CHANGE OF PRICE APPRAISALS AFTER PAYING THE CHARGE ONLINE Hello XXXX XXXX XXXX, Good News! An appraisal has been requested for your mortgage. Please make a payment below so as not to delay the property inspection. 

Property Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Amount Due : {$170.00} MAKE A PAYMENT Once payment has been received, a time will be scheduled for the appraiser to inspect the property located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
If you have questions about the appraisal service ordered for this request, please contact your loan officer. If you have technical problems making a payment, please visit the FAQ page hosted by XXXX | XXXX, our payment partner. You may also contact them at XXXX or XXXX. 
If the payment button above does not work, please click or copy and paste this link into your web browser XXXX XXXX XXXX XXXX Note : For security reasons, this link will remain active for three ( 3 ) days or three ( 3 ) access attempts. If you have not paid after three days, then clicking on the link will generate a new payment request email. 

A New Message has arrived for the following order. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan Number : XXXX Loan Purpose : Refinance - Cash Out Service Type : XXXX Update Doc ID : XXXX Appraisal Coordinator : XXXX XXXX XXXX Coordinator Email : XXXX Service Provider Due Date : XX/XX/2022 XXXX PT Subject : Critical Message : Critical message from XXXX : Loan # XXXX Hello, The original appraiser has advised that their fee for an XXXX  XXXX is {$270.00} XXXX Please approve the additional {$100.00} fee to proceed. They would like to accept and have advised they can complete this report no later than XXXX pending access. Thank you PLEASE NOTE : This is an automatically generated email. Please do not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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