BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
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: Personal information incorrect

Complaint:
Experain has provided false information in regards to my name and address. 
On the credit report for years I have tried to reach out to the company once denied by creditors. 

Experain has never fixed the problem of the name on my accounts. 
Which include the four different names listed on four different occasions which made creditors deny me personal credit and business opportunities. 

This account needs to be properly addressed. Monetary relief is requested and also is needed at this time. The inaccurate details, have had a great magnitude over my life and included increased rental fee 's based on the creditor not being able to verify my credit identity. 

There are also, three different addresses listed on the credit report.

Which total to seven inaccurate details listed on the report. Though experian has informed me recently that they have attempted to correct the error. 

The financial damages an impact are left unaddressed. I am seeking XXXX dollars in monetary. Though I have counted 7 errors. There needs to be some sort of restitution. 
The credit company 's should take accountability for their actions. 

Also, I have a good track record with paying child support on time. 
This child support was taken at XXXX dollars a month directly out of my wages with XXXX XXXX. Which a fair credit report should indicate a fair or Good credit score. 

However, You are still lacking to report it as a good reflection of debt an timely consistent payments. I have attempted to purchase a home and pay low monthly rates toward a mortgage instead of increased monthly rent above the fair market value. 

Please prepare to take the proper measurements and administer relief. 
I thank you all in advance.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX 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 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 2021-08-08
Company: EQUIFAX, 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 have been trying for months to get fraudulent accounts removed from my report. Equifax has been the only one giving me a hard time. It seems like I am being punished for trying to get these fraudulent accounts removed. There is one account left with XXXX XXXX XXXX. This account was started by a family member. I resided on the other side of the state and had an account with a totally different electric provider. Equifax has dropped my credit rating over XXXX points in the last few months. There are no derogatory remarks on my credit report everything is up to date. I am a XXXX veteran and I am trying to get my credit as high as I can before I purchase a home. Equifax is negatively impacting my livelihood. I would like to get this problem taken care of so I can get on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Caliber Home Loans, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on forbearance due to the eviction moratorium and tenants not paying rent. I ended that forbearance in XXXX of 2021 and Caliber Home loans began dragging their feet for approximately 8 months. Finally, they sent out a modification packet at the beginning of XXXX which I signed and notarized the same day and sent back. Afterwhich, I heard nothing. Today, two months later, I received a phone call saying there was an issue with one signature and its been in a holding pattern and has to be reworked. I asked specifically what was wrong they did not know. I asked when the new packet would come back to me, they did not know. I asked to speak to a supervisor, there were none available. I asked to speak to an underwriter, there were none available. I asked to speak to the processor who flagged it whose desk it is sitting on for XXXX months, and I was told that she is unresponsive to their internal communications. I have no idea what is happening and Caliber Home loans doesn't either. I have been unable to refinance my primary residence due to Caliber dragging their feet on this and now rates have gone up significantly. Their actions have affected me financially in a destructive way. Caliber does not care for the home owner and certainly doesn't care enough to notify me when an issue arises nor do they care to resolve it. I have never had such a horrible experience with a company in my entire life. They are clearly too big and the right hand does not know what the left hand is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received an email from XXXX XXXX of XXXX, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to LVNV Funding LLC. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX XXXX XXXX responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony bank was notified a number of times that this debt was a result of identity theft. They have since refused to take action despite efforts by my attorney. They have reported me to a collections agency.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-04-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I never received any notification about the forclosure and I had already had a hired a attorney help me in case any issues like this would come up! Yet the company are starting forclosure process while I was in forbearance and have never tried to work with me or my attorney! There was a gentleman that called me, and told me to fire my attorney and get my money back because he was giving me all the wrong information! I have requested to Rushmoore to have to all communication with my Attorney only because I don't understand how all this works since I never been through this! I also requested that they send all copies of the paper work that I signed to my attorney and yet they have not sent them and the only thing they have done is sends me letters delaying the process over and over again! This company is not following the laws at all because they have made changes to my credit report and they have failed to do any communication regarding the forclosure issues while I was in forbearance and will not communicate with my attorney to send the paper work and have someone call me to get rid of my attorney and was very nasty about it and cruel! How this company able to this and without any communication through my attorney? Are they allow to be so cruel and make these changes? This company has caused me so many problem and this why I filing another complaint and would appreciate answers back regarding this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 2021-08-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I paid off my Chase Bank auto loan in the year of XXXX, however, Chase had never sent any lien release to me until late XX/XX/XXXX after I contacted Chase when I failed to sell my car. 
On XX/XX/XXXX, when I was trading in my car and purchasing a bigger used car at a dealer for my vacation with my family and friends, after my husband completed the finance application at the dealer ( my husband 's credit score had been checked ), the dealer found out the Chase lien on my car and rejected the trade in ; therefore, I must pause the purchase and go to a Chase branch to request a lien release and must wait for the lien release to trade in the old car to restart the purchase at the dealer ; the used car I wanted to purchase was sold out while I was waiting for the lien release from Chase ; therefore, I must look for another used car again and could not get a used car until XX/XX/XXXX. 
I had booked the hotels for the vacation with my family and friends, however, I must cancel all the bookings and reschedule the vacation. The negligence of Chase has damaged my vacation, wasted my time, and added unnecessary extra hard inquiries on my husband 's credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-03-23
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carmax Auto Finance XXXX # XXXX is continually reporting late payments yet Ive never been late paying my auto loan here is a list of incorrectly reported late payments by carmax auto finance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX Ive read many complaints from other consumers and have realized that this is an on going practice of Carmax Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX - XXXX XXXX Inquired on XX/XX/2022 XXXX - XXXX XXXX  Inquired on XX/XX/202 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Rent Recovery Solutions
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: Was not notified of investigation status or results

Complaint:
On or between XX/XX/XXXX and XX/XX/XXXX the account ( Rent Recovery Solutions was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my XXXX credit profile and notice that on XX/XX/XXXX { Rent Recoveries Solutions } has reported this account without a 5 day notice. { Rent Recoveries Solutions and XXXX } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yesterday, XX/XX/2021, I reached out to the servicer of my conventional mortgage to set up a bi-weekly payment option. Being in mortgage myself, I understand the compounding benefits of doing so to basically knock years off the life of my loan, but also save 10s of thousands of dollars as well. I initially was unable to do this on their website, so I ended up calling them. When I was about to set it up I had the representative read me the terms and noticed that the payments were not going to be applied at time of payment, ( meaning the interest being compounded would stick to the amortization schedule and not an accelerated one, ) but rather would be held until the full payment was received and then would be applied as a regular payment to the loan. 
I feel that by not having the option on their website, they are able to obstruct how their payments are being applied and it wasnt until I confirmed with the representative how it was going to be applied that I understood there was no additional benefit.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 2021-08-08
Company: Exeter Finance Corp.
State: GA
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:
Back in XX/XX/2020 I applied for a loan for a vehicle with XXXX. I had set up to even look at a car. I never went and never got a vehicle out with the company. They dinged my report with a XXXX loan. We discussed this would be about the car price as well. However nothing was taken out from the company. No loan or anything of this matter should be on my report. I have attempted to dispute this matter and they keep coming back with this is a legit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I prepaid a lease over XXXX years ago but the company is still reporting the prepaid information. 
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.

Company response to consumer: Closed with explanation