BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage that was being serviced by New Rez ( Shell Point Mortgage ). 
The wire for the payoff was sent on XX/XX/2020 from XXXX XXXX XXXX to New Rez. 

I have made numerous phone calls to New Rez, while waiting on hold upwards for an 1 1/2 hours. At that point I took the call back option, in which I never received a call back. 

I called again and spoke to customer service, in which I gave the Transaction Ref. No. and Federal Reference No. She stated, that the wire was never received and she would have a supervisor contact me within 48 hours, which never happened. I have called 5 times in total. I sent 2 emails with the wire information and never received a response. 

XXXX XXXX has also been calling New Rez and not making any progress. XXXX XXXX said the wire was never returned. 

New Rez has now charged me a late fee and continues to ignore any form of contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: IN
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:
Hello I've been having issues with all three credit bureau 's and the practices that they are using to verify account and allowing someone to still make inquires without contacting me due to me putting a fraud alert of my credit account. I keep sending letters about addresses, as well as collection accounts and names on my consumer report that are not mines. I've called and requested that they remove an address that is not mine XXXX XXXX XXXX XXXX XXXX Indiana XXXX. Also the credit bureau 's are required to report correct information on all three bureau 's and they are not. I have attached letters as well as my credit report with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CACI/Consumer Adjustment Company Inc is a debt buyer that just showed up on my credit reports on XX/XX/XXXX. CACI claims to have opened an accoubt with me on XX/XX/XXXX per my credit reports. They are trying to collect money for XXXX XXXX XXXX  which was a company that I've already paid off and as well they are a part of the XXXX XXXX settlement that I received money from for their illegal lending practices. I paid my loan odf within weeks of opening it for {$1000.00}. CACI is not only attempting to collect on a loan that was already paid but has also violated the Fair Debt Collection Practice Act by adding more money to a paid off loan. CACI is claiming that I owe CACI {$1500.00}. I will now quote the CFPB 's findings : " XXXX  XXXX  engaged in unfair, deceptive, and abusive acts and practices in violation of the Consumer Financial Protection Act in connection with the illegal collection of loans that were void in whole or in part under state laws governing interest rate caps, the licensing of lenders, or both. 

The Bureaus first amended complaint, filed in the U.S. District Court for the District of XXXX  in XXXX, alleged that the XXXX XXXX XXXX operated as a common enterprise that affiliated with tribal lenders in the offering and collection of online installment loans and online lines of credit to consumers nationwide. The XXXX  XXXX XXXX, the Bureau alleged, made deceptive demands and illegally took money from consumers bank accounts for debts that consumers did not actually owe because the loans were either partially or completely void under the law of 17 states. The Bureau also alleged that the XXXX XXXX XXXX provided substantial assistance to two debt collection companies that were also engaged in the illegal collection of loans. '' CACI is in violation of the Fair Debt Collection Practices Act in a number of ways. One reason is that CACI has never written me nor contacted me by postal mail as required by the Fair Debt Collection Practice Act. I am considering pursuing litigation as this company is attempting to collect money on a debt that was already paid off, for defamation as this company is reporting falsely on my credit report, and is in violation ofthe Fair Debt Collection Practices Act, 15 U.S.C. 1692 by : 1. Failing to provide a written  notice 2. Adding unauthorized collections and XXXX. Attempting to collect a debt that is not owed. I have attached proof of payment and removal of my XXXX XXXX XXXX account. As well, I am requesting that the CFPB add CACI for further investigation into the XXXX XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, 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:
XXXX   XXXX ,  2017  - Notified by  XXXX  that someone had tried to open an account fraudulently  XXXX   XXXX ,  2017  -  XXXX  did a  3-way c all with  XXXX  Bank,  XXXX , and Me to have this removed  XXXX   XXXX ,  2017  -  XXXX  Bank stated they would contact the credit bureau and have the hard inquiry removed  XXXX   XXXX ,   XXXX   - Received a letter from  XXXX  Bank stating to give it 45 days to have the inquiry removed Contacted Equifax 4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today,  XXXX   XXXX ,  2017  it has now been 63 days since this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to book a trip with The company XXXX back in XXXX of 2019 and made payments from XXXX to XXXX of {$98.00} being the first payment and {$570.00} being charged 5 times and {$570.00} being charged once. Altogether I lost about {$3600.00}. The trip was cancelled due the Coronavirus by the company and now the company is refusing to refund me the money back. I have tried calling my bank and they will not go past 90 days. So therefore neither the company or bank will help me get back the thousands of dollars I lost.

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 2022-08-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I like to file a complaint. I have found one fraudulent unauthorized item listed on my credit report. The items is as follow XXXX XXXX XXXX XXXX XXXX {$1700.00}. I have attached a copy of my FTC Identity Theft Report XXXX for review. You have 30 days per the Federal Credit Reporting Act to investigate. Please let me know of your findings in a timely manner. 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}

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 2016-11-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD bank debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: OH
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  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX 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 2022-09-06
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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}

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 2016-12-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

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 2022-04-12
Company: EQUIFAX, 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 information incorrect

Complaint:
I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say XXXX many I mean more than XXXX at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about XXXX or so points. Help me understand how this is possible. I have now paid off over XXXX in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all XXXX Bureaus are not required to report exactly the same information, Why would a person get XXXX different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the Financial World discriminates against XXXX XXXX XXXX  in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. I.E. A Drycleaner individual receipts, number of racks they purchased, how many hangars they used, A Supermarket individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since XXXX, I owe XXXX on my car and XXXX on my credit cards and because of the information Equifax, XXXX and XXXX have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in XXXX XXXX XXXX. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge. 

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 2017-05-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX  I  called transunion to dispute a collection account on my report from   XXXX   XXXX   XXXX    XX/XX/XXXX . I have no contract with this agency and have requested previously via mail twice for proof of physical verification they used to verify the debt from Transunion and have not received any as of yet. In the meantime I have also requested physical verification from the collection company and informed them that they have no surety bond in the state of   Texas   making it illegal to attempt to collect any debt from me.  XXXX   XXXX   XXXX  who is operating out of the state of  Texas  has no active surety bond in the state of  Texas  where I have resided since  XX/XX/XXXX  making it illegal for them to do business in the state. According to Texas  Finance Code Section 392.101  requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. I was told by the representative that I spoke with that that was not a reason I could dispute the debt, but that I could dispute it due to erroneous information I have tried to settle this by disputing through the mail twice and making the call tonight to transunion to no avail. I am looking for this debt to be removed from my report because the debt collector is out of state and does not maintain an active bond in the state of  Texas  and is adversely affecting my credit profile. They have also not provided the method of verification of debt that I have signed with   XXXX    XXXX   XXXX   XXXX  any contract or owe   XXXX    XXXX   XXXX   XXXX  any debt.

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 2022-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian continues to report fraudulent accounts contained in my FTC identity theft report in which I have disputed as fraud several times. I sent my DL and formal request to block/delete this damaging information that was opened in my name by someone who stole my identity. Section 605b of the FCRA states that bureaus are to block the fraudulent items with an official report and proof of identity. Reporting this fraud is Defamation and slander. I'm not only suffering damages due to their willful non compliance and Fraud Enablement but I can not enjoy the benefits that come from having the good credit I should have. I submit this complaint as my consumer rights have and is being violated by Experian ad a victim of identity theft

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XX/XX/2010 Balance : {$0.00}

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