BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Accounts have violated my rights 1XXXX XXXX Reported : XXXX. XXXX, XXXX - {$11000.00} 2.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4600.00} 3XXXX XXXX Reported : XXXX. XXXX, XXXX - {$3400.00} 4.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4400.00} 5XXXX XXXX Reported : XXXX. XXXX, XXXX - {$6200.00} 6XXXX XXXX Reported : XXXX. XXXX, XXXX - {$26000.00} 7XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$760.00} 8.XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1400.00} 9. XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$980.00}. Violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NC
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX OF XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/2022 & XXXX XXXX Date of XXXX XX/XX/2022.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX is not providing update information to my credit report. XXXX XXXX shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.

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 2018-02-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
It is tax time. I need a copy of my XX/XX/XXXX and XX/XX/XXXX Form XXXX Mortgage Interest Statements. I asked and has been asking Bayview Servicing Co, my mortgage lender servicer for copies of the statements but to no avail. I started doing this since XX/XX/XXXX and their response is, they were already mailed. I always check my mail in search of the needed statements however, I don't find any. I am getting desperate. I will travel on XX/XX/XXXX for a month, I am scared I can not file my income tax return before I leave. 

I remember last year. I requested the XX/XX/XXXX XXXX form. They were not able to give me the form. They just gave me the amounts of interest I paid them enabling me to include the information in the XX/XX/XXXX tax return. 

I am thinking, what could be the reason why they don't give the form? It is very important for me because it gives me the deduction amount that I can make from the tax computation and it should tell me the balance of my mortgage debt. I am paying a lot for this mortgage and they owe me to give a correct report/statement on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3600.00} ; CHILD XXXX ENF AG/N XXXX Balance Owed : {$1700.00} ; XXXX  XXXX XXXX Balance Owed : {$810.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2016-04-27
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently I was applying for a mortgage and discovered I had a {$200.00} collection for a PAID medical bill with XXXX XXXX CLIENT # XXXX, XXXX # XXXX. 

I paid {$200.00}. My insurance paid {$160.00}, therefore, the bill was overpaid. I was refunded {$160.00} AND XXXX put me in for collections with SCA Collections Inc -- XXXX NC. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2020-12-30
Company: Shellpoint Partners, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since 2001, we have always paid the insurance and property taxes for our property outside of the our monthly payment to the mortgage company. We have never authorized and/or approved a servicer controlled escrow account for the purpose of paying property taxes and hazard insurance for the subject property. However, when Shellpoint became the servicer for the loan, an escrow account was set up and PITI was placed on the property, even though we already had insurance on the property a. To be clear, we NEVER authorized an escrow account and had assumed responsibility for payment property taxes and insurance outside of payments made towards satisfying the principal balance mortgage under the terms of our Deed of Trust.

Shellpoint has now increased the our monthly mortgage payments and claim that we owe an " Escrow Only '' payment of {$4000.00}. To be clear, when shellpoint place insurance on on our property, we already had insurance, so there were two insurance policies on the property at the same time as a result. Further, we have never had or authorized an escrow account. We do not believe that we should be responsible for payment of a duplicate policy, that we never authorized or had any knowledge of until after shellpoint had placed the policy on the property. 
I hired an attorney for the specific purposed of drafting and sending a letter to Shellpoint regarding this matter and in an attempt to resolve this matter. I have not yet retained an attorney for the purpose of filing suit against Shellpoint and this is my final attempt at resolving this matter before doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3600.00} ; CHILD XXXX ENF AG/N XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello super sorry to bother you but many years ago before I left the country I had people steal my identity papers and credit cards and computers.. i filed a report with New York XXXX Police and documented everything and they just closed the case after not finding the people.. but now many years later and being out of the country I found out that there's many credit cards that I had never applied for.

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 2021-07-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX,2017 for Macy 's Executive Office XXXX XXXX send a letter to Consumer Financial Protection Agency on any collection that was paid and still Macy 's reporting a charge or collection on my credit reports.Why did n't XXXX XXXX send me a copy of the letter so I can have for my file? Collection company stated that they did n't have no records of account of Macy 's on their date, but on my credit report with XXXX, XXXX and XXXX is still on display.Macy 's Executive XXXX XXXX contact XXXX Ext.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 2021-12-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  Equifax Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX I filed for a modification to get help because I was behind on my mortgage I had already filed a chapterXXXX prior to that every week I called in to check the status of my modification and every time I called they asked for some more information witch I gave immediately then in XXXX of XXXX my chapter XXXX payments were raised to were I could not afford them and was informed that if I did not make my XXXX payment that my chapter XXXX will be dismissed 1 week after the chaper XXXX was dismissed I was told that the modification was denied for every option that was available witch I could not understand and asked for clarity on the situation for a appeal but received very minimal information so I submitted what I could to at least inform them that I wanted to appeal there decision but haven't heard anything from bayview loan servicing yet but I do know that they have put a sale date on my home for XX/XX/XXXX I'm just looking for help and it seems that they are only concerned with taking my home i have beenin and out of the court system since XXXX with this same situation and been getting every door closed on me with no help even though i have documents that says that i have been wronged

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got a dispute on paypal ( case ID : XXXX ) currently on right now and its for a {$200.00} laptop that is inaccurately described and non-functional and comes w/o a charger ( which I had bought 3 chargers already and none worked ). Paypal wants me to ship this laptop back which would cost me out of pocket {$100.00}, that means in the end I won't get all of my money back, just under half! It wasn't my fault that the seller didn't describe the item as accurately as possible, I was expecting a fully working laptop and what I got is practically a huge paperweight. 

I am willing to ship the item back in the expense of the seller, not mine. if the seller gives me a return shipping, cool I'll send it out the door as soon as possible. other than that I will not spend another dime on this laptop. 

Why is the buyer practically being punished for something the seller failed to disclose. The seller should be the one taking the hit on this case but instead I am losing my money while the seller laughs as I have a miserable time trying to deal with this. 

I never thought this is how paypal 's " buyer protection program '' works. It's so ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4300.00}

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 2023-04-26
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to XXXX XXXX XXXX XXXX XXXX asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file

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