BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I began an IRRRL in XX/XX/2020 with XXXX XXXX in XXXX, California. 

Following closing of my previous loan with XXXX XXXX Mortgage, I was to receive XXXX months without a payment. 
I left town to visit my sick father in XXXX ; my mail was forwarded to my father 's address.

I received a mortgage statement from New Rez Mortgage stating that I owned for XX/XX/2020. 
I contacted my loan officer and informed him of this, then his boss.

I never received the " promised '' amount from my escrow account.

I found out later that New Rez used part of my escrow refund for some other purpose ; not acceptable. 
I contacted the XXXX XXXX XXXX in Florida, I advised something was a miss with my loan processing. 
According to my records, my escrow balance was {$980.00}, but only received {$280.00}. 
It appears that while my XXXX loan was processing, my lender sold it to New Rez ; I was never made aware of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Was not notified of investigation status or results

Complaint:
When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately XXXX separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.

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 2020-11-04
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:
i'm complaining about unfair portrayal of credit information on XXXX, transunion, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: PA
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:
I have called Experian regarding inquiries I did not authorize, and for multiple accounts with inaccurately reported information. Even with documentation as proof, Experian will not update my credit reports. This complaint is specifically regarding a substantial amount of inquiries on my credit report that either 1. I do not recognize AT ALL and are clearly fraudulent, 2. I never authorized the company to pull my credit reports or 3. are expired and suppose to be off my credit report but have not been removed. The following inquiries are expired : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX   XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX XXXX date of XX/XX/XXXX removal date of XX/XX/XXXX. The following inquiries are inquiries I never authorized : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX, and additional inquiry dates of XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX inquiry dates of XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX with inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX   MC inquiry date of XX/XX/XXXX ; XXXX   XXXX XXXX  date of inquiry XX/XX/XXXX ( was a " pre-qualification '' that stated specifically there was no hard pull - only inquiry I recognize at all ) ; XXXX XXXX date of XX/XX/XXXX ; XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ( downloaded the app, never authorized them to pull my credit reports ), XXXX inquiry date of XX/XX/XXXX. The following inquiries are inquiries I do not recognize at all and are fraudulent : XXXX XXXX date XX/XX/XXXX, and XXXX XXXX  XXXX XXXX date of XX/XX/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 2018-07-20
Company: Experian Information Solutions 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:
Experian was clearly told on an account that it's a business account open 'd under tax id, still they continue to report to personal credit profile

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 2021-05-19
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: 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 2021-05-07
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company bought an old debt from XXXX, changed the date to say XXXX, and then proceeded to add interest charges each month, increasing the balance and adversely affecting my credit scores. I contacted them about the the date that it was not the date that the debt occurred that it has been nearly 7 years and they said they can use the date they bought the account, sell it to a sister company and then buy it back and continue on with a new start date for as long as they wish and they are allowed to charge interest even though it went through court already the judge ordered no interest rates to be added to the debt because it was so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Paypal Holdings, Inc
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hi Today XXXX XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX stating that I owe XXXX with Ref PayPal I contacted PayPal immediately and they confirmed that I dont owe anything or have unpaid or overdue payments or transaction with PayPal at present time and day. PayPal admited that they do business with XXXX Debt Collector .I asked to get in touch with one another to inform each other that my account is clean. PayPal said since my account is clean they cant open an enquiry or dispute unless theres a payment issue, which is not at the moment. I dont know how to deal with this mistery debt.. 
Please reply Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to pay my house payment last month and found that Mr Cooper/ Nationstar raised my house payment over {$600.00} per month. Loan # XXXX I immediately call Mr cooper to find out what was going on. I was told that my taxes went up and there was not enough money in the escrow account to pay the taxes. 
I knew this was not true as I just filed my taxes and my taxes had only gone up by around {$160.00} per year total. 
I told them that and they argued with me and declined to get me to someone that I could talk to about this. 
After looking into this more, what I found is that when Mr cooper put my loan together they did not include one of the tax lots that my property is on. 
I know that they knew about the extra tax lot because they were trying to get a better loan to value on the property by using the lot in the appraisal but couldn't. 
They also had several years of my tax records before they would process the loan. 
Here is what I know happened. I only was getting the load to pay off some credit card dept that I occurred to remodel the property. I told the loan  officer XXXX XXXX that I did not want my payments to be higher than what I was paying at the time. 
She assured me that they would only be a few dollars more than what I was paying at the time. 
Also after they told me the loan was approved and there would be enough money to pay off what I wanted to they came back to me and said that they had to raise the interest rate so that the loan would qualify. 
That did not set well with me but I did it because the rate although higher than I had been quoted by other companies was not much higher and I did not want to go through the whole process again with another company. 
Bottom line is that I just can not afford to pay an extra {$600.00} plus a month on my house payment. This because Mr Cooper did not do there job when putting the loan together. 
I hope that you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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 XXXX XXXX # XXXX, XXXX IXXXX # XXXX, XXXX XXXX # XXXX, XXXX 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 a account without my written instructions

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 2018-04-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase/XXXX is the same company, I will be referring to them both by using Coinbase. 

I am a customer of Coinbase. On the XXXX, I made a transfer in cryptocurrency from an external company ( XXXX ). The amount transacted was XXXX Litecoins ( worth roughly {$1300.00} at the time ). I sent Litecoin ( a form of cryptocurrency ) to XXXX, to an address that I was supplied for funding my account, and they failed to update my account to indicate the receipt of that transaction. 

While I did make the mistake of using the Bitcoin deposit address instead of the Litecoin deposit address, a small mistake like that should not release Coinbase from their obligation to their customer. 

The issue here lies with the fact that for some reason the address that was supplied by Coinbase works for both Bitcoin and Litecoin, the odds of which happening are very low. In this case Coinbase is the owner of both wallets so they have full capability to correct this matter. 




The transaction may be seen here : XXXX XXXX XXXXXXXX The details for the transaction ID may be seen here : XXXX XXXX XXXX XXXXXXXX The correct transaction is on line 7 : " 7 : Not yet redeemed - XXXX - XXXX LTC '' You can see that the account was credited the amount in question on the XXXX and there are no outputs, so the money is stuck on an account that Coinbase owns. 

It can also be verified via my Binance and Coinbase accounts. Funds were sent and never received. 

I contacted Coinbase immediately on the XXXX. I received an automated response on the same day which provided me with no assistance. I escalated the matter further and received a response on the XXXX that they can't do anything about this. This is unacceptable as from a technical standpoint they as a company are the only entity able to correct this issue. 

I demand that they rectify this issue and transfer the amount I sent to them ( XXXX Litecoins ) to my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX demanding Equifax to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue three fraudulent complaints with the Consumer Financial Protection Bureau, one each regarding XXXX, TransUnion, and XXXX. Those complaints are complete nonsense.

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 2018-04-30
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously using CFPB we disputed this debt through another collection agency who removed it. On XX/XX/XXXX, XXXX XXXX XXXX added it back onto credit report as a collection. Nothing received again from that company, and the debt has never been shown as mine. Also now calling while at work. I have no idea, as before, what this is.

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 2020-05-29
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with 1FirstBank whom is based in XXXX XXXX, PR. My home is a new construction that I closed on in XXXX of 2019 and 1FirstBank was the builder 's choice of lender, not mine. 1FirstBank was continually made error in servicing my loan and I am quite frustrated. When I call their service center, there is a language barrier and it is difficult to understand and comprehend. Most recently, {$440.00} was taken from my Escrow for " Insurance '' and I called and questioned and the rep told me is was for hazard insurance. That didn't make sense so I called a day later and another rep had me on the phone while she summoned a supervisor and ultimately found out that amount was for built up PMI. So, the original info was wrong which is dangerous. 
Furthermore, 1FirstBank did pay my hazard and flood insurance renewal 60 days before it was due based on last year 's amount not waiting for an updated bill and not taking into consideration the insurance was subject to an increase. To compound the problem, XXXX XXXX never received those payments and now that amount in addition to the increase is due. When I call, again I get so many variations in what happened to the payment. Total incompetence. 1FirstBank should not be allowed to sell mortgages in the mainland USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i contacted all XXXX credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A 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 explanation