BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage off on XXXX. I sent a check to the address I was provided and the check was cashed on XXXX. The address I was told to mail the check to was Shellpoint Mortgage Payment Processing XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXXThe check has been cashed.The payment has not been applied to my account. The mortgage company is Shellpoint Mortgage. Their phone number is XXXX. I have called them everyday requesting to know why the payment has not posted to my account ( # XXXX ) nobody has any answers for me. My account still shows a balance and that I have a payment due XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX was last time XXXX was XXXX by XXXX through reoccurring electronic billing. ( Have confirmation number as always. ) XX/XX/XXXX payment not paid even though I had confirmation # XXXX. XXXX told me to call back in 3 days. Still not pd they had no reason why it wasn't paid, they told me to call XXXX which I did, they said there was no payment made. So on XX/XX/XXXX I reset the payments for a reoccurring payment of {$60.00} a month confirmation # XXXX. Was NOT paid again. I called XXXX back and they said nothing and had no reason for it not to be paid, call XXXX. I have been accumulating late fees of $ XXXX plus ruined credit because they will not pay the payments. I am a XXXX senior citizen with vision issues I can't deal with this anymore. The bank has an obligation to pay my bills as I instructed them to do so electronically. I have confirmation numbers and have filed XXXX complaints with no resolution. I have no recourse and no way to pay all the late fees. I did my due diligence, why won't they do theirs? I am desperate and now I owe {$210.00} in back payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXXXXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX XXXX and Bank of America won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. 

They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. 

As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. 


Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have account charge off that I payed for that need to be update I have account with late payments that dont suppose to be there I have hard inquiries thats not mines I have made police report and sent it to them and somebody still been tring get stuff in my name I have call them and sent paperwork nothing have been done

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are continuing to report inaccurate information on my credit report. I've tried to fix an error many times, but this request has fallen on deaf ears. On XX/XX/23, I sent dispute letters to the above credit reporting agencies informing them that the account ATTORNEY GENERALXXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. Transunion is also reporting the wrong balance. How does this meet FCRA requirements? XXXX is the only credit bureau that investigated the account and updated it. I will attach the credit report showing the inconsistent information. The late payment should be deleted immediately because I was never late, and because your information does not match, and I can take this to small claims court but at this time I am only asking for the account to be updated.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

Transunion has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, Transunion and XXXX information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, Transunion, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Identity Theft Police Report and False impersonation was filed with local police department XX/XX/XXXX For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # TransUnion, XXXX, XXXX have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with TransUnion, 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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$1200.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$370.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$540.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$680.00},

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 explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021

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 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$550.00} XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/ XXXX XXXX Inquired on 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 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-05-01
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-01
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-01
Company: Experian Information Solutions 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:
I understand that you are requesting the removal of a late payment from your account, as you have never been late and have been working hard to make your payments on time. In order to assist you with this, please provide me with the necessary documents so that I can further investigate the issue and assist you with disputing the late payment with the credit bureau.

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 2023-05-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went to dentist I was told I needed an XXXX  on one tooth. Had the tooth started and dentist put in the screw for the XXXX  and it became XXXX. Then Covid-19 hit and I had several appointments that they cancelled. Over 9 months went by i called the dentist again and again I was told the tooth was completed by I had no tooth on the screw at that time. So I had to get the work finished by another dentist. The new dentist called and they also told them it was finished and gave them a hard time on finding the information from them to finish the tooth. Finally they were able to finish it costing me {$1700.00}. 
I stopped paying the first credit dental payments so I could pay the other dentist that finished the tooth. Last year I had to get the tooth fixed again due to XXXX costing another {$2000.00}. 
I have contacted the company and the dentist but they refuse to make any changes. 
Now the credit card company has ruined my credit and up the cost do to extra interest for no payment. The bank of the credit card keeps calling with an automated system to call them. 
I called and told them repeatedly that the tooth was never completed by that dentist they tell me I have to take the dentist to court. 
I have dental record and receipts for the work done. This original dentist has no record of the tooth being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
They have repeatedly violated my rights as well as the Fair Credit Reporting Act. Despite the several correspondences Ive had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. 
For one, I filed and informed XXXX and experian of an identity theft report in regards to the XXXX account and I also Informed them the information on the XXXX account was incorrect and derogatory and it needed to be deleted immediately. I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. 
Secondly, I've actually disputed with XXXX XXXX and XXXX XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA

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