BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
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: Personal information incorrect

Complaint:
According to 15 USC everything on my consumer report has to be 100 % accurate. Having incorrect information can hurt my chances for upcoming approvals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
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 previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to XXXX XXXX XXXX XXXX. 

I then filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/2022 CFPB Complaint ID # XXXX and XXXX XXXX XXXX XXXX stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NY
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:
The inquiries on my credit report is fraudulent I did not give my written permission to said persons to view or share my credit report see attachment

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account /name : XXXX Account Number : XXXX Account /name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 2023-01-13
Company: EQUIFAX, INC.
State: CA
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 incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with XXXX, XXXX, Equifax, & through the CFPB. XXXX XXXX has XX/XX/22 Account XXXX {$16000.00} reported to XXXX & on Equifax report is {$16000.00}. This is a direct violation under the FCRA and XXXX invoking my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Trans Union XXXX XXXX 15 U.S. Code 6803 states, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

And I was not provided a clear and conspicuous disclosure in no form under regulations prescribed under section 6804 of this title financial institutions, policies, and practices with respect to the 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 2023-01-07
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I currently have a car an XXXX XXXX XXXX XXXX, I received from XXXX XXXX XXXX, from the bank XXXX XXXX in XX/XX/XXXX. I paid a down payment of XXXX over the course of 5 weeks. The car payment is XXXX monthly and I am struggling to pay the amount, being that my financial and living situation is not good right now. I didnt know the sum of all charges. I was denied to refinance and receive a lower monthly payment. Now that i am struggling keeping up with the payment, they will call 3-4 times a day everyday asking for a payment and asking when am i going to pay, and to give them a call. Also, text messages and emails. This has cause alot of stress calling all day everyday about the car payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 previously disputed XXXX XXXX, File Identification Number : XXXX, and in response TransUnion verified the item as accurate stating they verified the information with the court. 

I contacted the court, and it is clear they do not report to TransUnion or any credit bureau for that matter ; therefore the original response verifying the item with the court was either an error or false. 

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2020-03-26
Company: EQUIFAX, INC.
State: LA
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance during COVID and entered into a loan modification agreement with my lender. I was given a payment schedule of three payment to make of approx ~ {$2900.00}. They do not have automated payment methods. I called in to make the first payment in XX/XX/2021 ( the phone call was recorded ) and the person told me that I had {$2700.00} in suspension ( I made a partial payment during the forbearance period ) and that I could apply it towards my first payment. I asked her at least three times if that was true and she said yes, so i authorized an ACH payment of {$250.00} ( which combined with the {$2700.00} was more than enough for the initial payment ). I called in XXXX and made a full payment of ~ {$2900.00} and it was processed from my bank account. In XXXX when I called to make the third and final payment they told me that the agreement was breached for a missed payment on my part and that the agreement was cancelled. I explained what the lady told me and they researched it and got back to me acknowledging the mistake and informed me that she was wrong that a payment in suspension could NOT be used towards a payment. I explained that I was prepared to make a full payment when I called in and would have done so had she not directed me in this manner. At this point I have been on the phone with them three times for over three hours and each time they tel me it is reinstated and then I get letters to the contrary. I have escalated to no avail and at this point they are telling me tht I have to reapply for a loan modification and start all over. The big issue with that is that my current interest rate is 4>65 % and I have a lender that is willing to refinance it down to 2.24 % which will reduce my payment by ~ $ XXXX but this cant be done until I am officially out of forbearance and it is reported as such. Please help as this company seems to be hamstrung by systemic issues and are not willing to fix their mistake.

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: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2013 I had a morgage through Wellsfargo and my home was foreclosed on. Wellsfargo repeatedly told me what to do and what they needed then swiftly foreclosed on my home without providing the help they were promising. I was required several times to fill out the same packet without receiving any information from them. They would transfer me and my account around to different associates whom had no information on prior conversations with other employees

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 2021-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had received multiple notices of debt collection for 2 accounts from Midland Credit Management from XX/XX/XXXX to a certified letter potentially threatening legal action on XX/XX/XXXX. In response to a debt collection letter for account # 1 sent XX/XX/XXXX and another for account # 2 on XX/XX/XXXX, I sent a letter requesting validation of both debts : one dated XX/XX/XXXX and the other XX/XX/XXXX respectively. To this day, I have never received a validation of debt response for either accounts but have received multiple requests for debt payment via letter, multiple threats of MCM considering legal action, and potentially a court order via certified letter tomorrow from MCM. To add insult onto injury, I've found multiple addresses listed both online and on written notices for where debt validation letters should be sent to by consumers. While I can verify the validation letters sent on my part were to the address listed on received debt collection notices, it is impossible to verify if those addresses both in my letters and online are accurate and checked by MCM currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my wife XXXX and I executed a mortgage to purchase our first home. For the last few years the servicer has been New Rez d/b/a Shellpoint. We recently refinanced, and on XX/XX/XXXX, the mortgage serviced by New Rez was paid in full. At the time of the payoff, the balance in the escrow account was {$5100.00}. 

By letter dated XX/XX/XXXX, New Rez provided an account history confirming the above escrow balance and stating that " the escrow balance of {$5100.00} and the unapplied fund balance of {$98.00} will be refunded to you in 20 business days of the paid in full date. '' Together these amounts total {$5200.00}. I have attached the letter and account history. 

On XX/XX/XXXX, we received a check from New Rez dated XX/XX/XXXX in the amount of {$3700.00} without further explanation. That's {$1400.00} less than the amount required to be refunded under 12 U.S.C. 2605 ( g ). I have attached the refund check dated XX/XX/XXXX. 

On XX/XX/XXXX, I called New Rez to notify them of the error and demand that it be fixed immediately. The representative ( XXXX XXXX ) spoke with a supervisor and informed me that New Rez made a PMI payment of {$490.00} on XX/XX/XXXX - well after the loan was paid in full. ( {$490.00} is equal to 3x the monthly PMI premium of {$160.00}. ) Accordingly, XXXX XXXX stated that we should expect to receive a second refund check in the amount of {$990.00} XXXX $ XXXX {$490.00} XXXX within XXXX business days. 

New Rez erred in advancing funds for PMI after the loan was paid in full. If, as New Rez contends, the {$490.00} for PMI was due since the beginning of the loan, it had an obligation to pay those amounts promptly and adjust the escrow account accordingly. In the more than six years since origination of the loan, New Rez failed to do so, in violation of applicable law.

Moreover, even if it was proper for New Rez to make the payment of {$490.00} for PMI after the loan was paid in full, New Rez erred in failing to refund the amounts remaining in the escrow account at the time the loan was paid in full, in violation of applicable law. 

We appreciate your help in rectifying this situation and holding New Rez responsible for unfairly and illegally withholding funds which they were required to promptly return to us upon payoff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation