BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

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 XXXX XXXX XXXX Report Date : XX/XX/2023 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 an 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 explanation
Consumer complaint received 2019-12-03
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about the process of one mortgage company selling to another. This happened to me during the month of XXXX which I became aware of in XXXX. This sale was done with NO notice to me and was sold a couple of times. The first company was XXXX, which was the company that originally financed my mortgage. It was sold to XXXX XXXX a year ago. Then sometime in XXXX, I assume, was sold to another company that do not know the name of and now Shellpoint Mortgage Servicing holds it. According to the letter I received from Shellpoint, they took ownership on XX/XX/2019. Almost 2 weeks later I started receiving all of Shellpoint 's  mailings including a statement with a {$2100.00} payment due by XX/XX/2019. Now I have taken out a loan to catch up on this and have no idea how I am this far behind in payments besides the fact that these mortgage companies are aloud to add fees on a practice that they don't inform people about or at least a lack of information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Ocwen Financial Corporation
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Ocwen has taken a toatle amount of XXXX $ from my bank account. This is a student subsidized loan their taking from me. I do not own a house. I have no idea who this company is and why they are taking my money. I really want my money back! This is a crime. It sais in fine print that i do not have to pay a student subsidized loan back untill 6 months after i graduate. So their is no reason this company, OCWEN should be taking my money! They are stealing from me. I am XXXX i am now completely broke because this company has drained my bank acct!!! I cant afford to buy food for myself or pay my bills because of ocwen! And i cant seem to figure out how i get my money back from them. I have a lawyer thats looking into it! But i just dont feel its enough. I dont want to pay a lawyer all the money that ocwen took from me just to get it back?. I have no relations to this company whatsoever! So they shouldnt have my card information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXX GA - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Pages 2-2, 5-14, and 6-50 SEE ATTACHED. I am demanding you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, Account name : XXXX XXXX Account Violations : ( 1. ) Correction : Account should be reporting monthly-SEE ATTACHED ( 2. ) Correction : There are no Recent Balances on Charged Off accounts-SEE ATTACHED

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 2022-09-12
Company: Block, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app list my account I had XXXX dollars in my account I accidentally made a new account with the same email and phone number now they can't find my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX  have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in 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 2021-11-29
Company: EQUIFAX, 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:
Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over XXXX months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after XXXX days, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for the loan and was contacted to provide documentation. I am currently on XXXX XXXX military orders and had no problem providing all the information that was requested. I sent XX/XX/XXXX bank statement, pay stub for pay date XX/XX/XXXX ( most recent ) and front and back of ID. 

I was then told that it had to go to underwriting because I was in the military. Again, no problem. They came back and said they needed a pay stub that said " mid month ''. I say okay. I send them my stub for XX/XX/XXXX & XX/XX/XXXX. They come back and say the loan is approved but they need to verify income ( again ) and ask for access to my bank account to verify income as if the bank statement with both XXXX direct deposits and the 3 pay stubs weren't sufficient. 

When I asked again what the issue was, I was told that my income doesn't add up and the information underwriting needs isn't present on my stubs. 

In my opinion, their underwriting team does not know how to accurately read a military XXXX. They are telling me that the information they need is NOT on my federal pay stub which is completely absurd. 

I've dealt with a different branch location for Onemain before and never had any issues and I'd appreciate someone looking into this matter to ensure other military members do not experience the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
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:
Hello there. It seems there are accounts on my credit profile that does not belong there. I am a victim of identity theft. I'm contacting you so you can assist me with removing these accounts. I followed all the steps mentioned online. I have the identity theft affidavit as well as the two accounts I'm referring to attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Attempted to start direct debit to pay account automatically two times. Neither time was direct debit set up resulting in late payments. <P/>Attempt 1 : Gave bank routing and account information. Debit was not set up.
Attempt 2 : Again, gave bank routing number and account information. Debit was not set up and 1 mo forbearance was put on account. Was not told that this would be a part of direct debit set up. 1 month work of interest was added to my total loan balance because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-10
Company: Experian Information Solutions Inc.
State: PA
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:
account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX Experian and XXXX  did not even after I sent them proof of this please help thank 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 2023-04-12
Company: Experian Information Solutions Inc.
State: NV
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
CONSUMER REPORTING COMPANY BLOCKING LETTER Date : To : Experian XXXX. XXXX  XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : I have never lived or used the following addresses or phone numbers : The following Account ( s ) do not belong to me : Account NameXXXX XXXX XXXX, XXXX. 
Account NumberXXXX Account NameXXXX XXXX XXXX Account NumberXXXX  This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section 605B

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 2021-02-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Conflicting fraud Investigations and lies from their investigators. Credit report correction. 
Since I found this random credit card account describe as SYNB/PPC on my credit report, I did some research to find out what exactly was the origin of this account. I come to find out that this is a PayPal Credit Card that was supposedly open in XXXX. The account has no balances or anything. However, the issue here is I never once sign any documents or given my information for a credit card for a paypal credit card. I immediately informed the credit bureaus that this was fraud. After Synchrony bank completed their investigation. They sent my a letter XX/XX/XXXX that informed me that they would be closing this account and removing this from the credit bureaus. Ill attach this letter with this post. Everything seems to be going well with the credit bureaus flagging the SYNCB/PPC account as fraud and removing it. However, a few days letter I get another mail that says that they are unable to approve my claim because I accepted responsibility for the charges???? Never have I once signed or spoke with anyone where I stated that I accepted this account. Just more lies from this bank. Second they stated that I failed to cooperate with their investigation which is another lie since they never reached out to me or anything. I called them on more than one occasion and they informed me that the investigation is on going and they will give me an update. Lastly, which XXXX me off the most, the letter stated I knowingly released the account information which is again not true since I have no idea what the account number for this fraudulent account. To their credit, they did closed this account which is a good thing. However, at this point they need to follow through on their original conclusion to this claim since they have no proof or any documentation that I opened this account. This has become frustrating and I will consider contacting a lawyer if this is not resolved.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting inaccurate information on consumer report. Information is inaccurate and accuracy is the main responsibility. Consumer report from XXXX and XXXX has been attached showing how the information has been removed for not being accurate and how Transunion is reflecting inaccurate information. Proof is attached XXXXXXXX XXXX is being shown on Transunion consumer report only XXXX XXXX XXXX XXXX  is being shown on Transunion consumer report only XXXX XXXX XXXX XXXX is being shown on Transunion consumer report only XXXX XXXX is being shown on Transunion consumer report only XXXX XXXX XXXX  XXXX is being shown on Transunion consumer report only XXXX XXXX  is being shown on Transunion consumer report only XXXX XXXX XXXX inquire is being shown on Transunion consumer report only Transunion is in violation 15 U.S. Code 1681b - Permissible purposes of consumer reports

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