BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Dovenmuehle Mortgage, Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Currently in a VA loan assumption with them. It's VA to VA and we were already pre-approved with XXXX bank for a VA loan. We have no debt, high income, VA to Va... .should be easy right? Nope. XXXX  days in and no sense of urgency, broken promises on timelines, and barely respond. We are going to be homeless at the end of the month since our rental will be done. I thought this bank put veterans first. The seller also has government orders to leave and the house can't be sold bec of this company. 
Will update if the process gets better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I need help please I pay and pay and pay and I can not finish pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
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:
XXXX reporting a fraud account on my credit report for 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 2020-05-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We obtained a second mortgage with SLS Specialized Loan Servicing when we purchased our home in XXXX. Two years later in XXXX property values started to decline and mortgage companies started to go out of business which lead to losing my job of 10 years. They were extremely difficult times for my family financially and emotionally. We started to fall behind with our bills and our mortgages. I was able to modify my first mortgage lender. I continue to fall deeply behind with our second mortgage with SLS. We tried to modify the second mortgage several times after we felled behind but SLS would not work with us and gave us the run around. Through the years I tried again to modify not knowing who can assist us. We did not receive phone calls from SLS for a few years. Not until a year ago or so when property values started to increase, we have aggressively been receiving letters requesting large amounts of money to bring the loan current, money that we do not have. We also received many letters stating different options SLS offer to help us with our situation. It was very confusing what the letters meant. We understand that it is a debt we still owe, so I reached out to SLS in XX/XX/XXXX and was connected to my contact Relationship Manager XXXX. I gave him my information and told him I was reaching out for assistance, in a I do not care manner he said Sorry its too late these words to date are heartbreaking. After that call we continue to receive letters, we were not sure if we should reach out to SLS again. Amid COVID-19 pandemic SLS filed A Notice of Default on XX/XX/XXXX. We were devasted not fully understanding what was going on. We want to stay in our home, my XXXX XXXX live with us and I take care of them full-time, there ages are XXXX and XXXX. Out of despair we went online and submitted a request for a loan modification. To my surprise we received an offer, we were shock because XXXX our Relationship Manger had told me back in XX/XX/XXXX that it was too late. The 3-month trial offer comes with the condition we give a down  payment of {$49000.00}. On XX/XX/XXXX I express to SLS that we do not have the down payment and to add the money we owe to the balance of the loan. XXXX has been very rude and has stated that we must have the down payment they have requested, if we do not provide the funds the house will be sold. We asked for XXXX manger and they both gave us the run around. My husband is XXXX years old and his hours have been decreased because of COVID-19, we can afford the trial payment, but we do not have the down payment. We are living in a time of uncertainties, it is worse times now then it was for our family in XXXX, lending institutes need to reach out and help homeowners.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

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 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 2018-05-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/XXXX, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/XXXX ; however, XXXX is refusing to remove the delinquent status from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-06
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this is my complaint case number XXXX file on XX/XX/XXXX and jefferson capital system llc failed to provide what was requested. that wrote the cfpb back stated they send me a copy it was a lie and i can prove it i need a bona fide copy of our contract between me and jefferson capital statedthat i authorix=zed them to have my information and collect and debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep going after me i tried disputing this debt and is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio FROM PORTFOLIO RECOVERY ASSOCIATES LLC IS NOT MY ACCOUNT I ASKED THEM TO DISPUITE IT A YEAR AGO THEY IGNORE ME I ASKED THEM TO SHOW ME MY SIGNATURE THEY DIDNT REPLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Asked for Covid-19 extension to payments for XXXX, XXXX and maybe XXXX. Absolutely no phone or email response from Dovenmuhle mortgage. 
Additionally, since the Loan origination the property has increased in value in part due to upgrades but Dovenmuehle mortgage refuses to acknowledge current sales prices / appraisals for exact same floor plan Which would do away with PMI insurance currently at {$160.00} per month. In addition I prepaid the entire year of home owners insurance, so again no need for an escrow account regarding this expense. I sent all information to Dovenmuhle insurance with email given. I want to suspend next 3 months payments without any negative report on my credit. 
Furthermore I used the online loan solution page and was denied even though my industry is shut down due to Covid-19!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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:
THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I suddenly received a statement stating that I owe money for a student loan from XXXX years ago. This is the first time I am hearing of this. I do not believe I owe this loan and I'd like to see original documentation showing that I applied for this loan. After calling and writing the lending company they insist I owe this loan without sending me proof. they just sent me a statement and a notice that if I do not pay, they will report me to the credit Breau. In XXXX years, I have not seen a statement for this loan and suddenly now they want me to pay a loan. 
I am XXXX XXXX XXXX and do not have any school loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: MA
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:
I have numerous XXXX XXXX accounts reporting on my consumer report. These accounts are hurting my credit score and are not equitable to me as a consumer. I need them deleted from credit file immediately as I have not granted credit reporting agencies consent to furnish these accounts on my report. As a consumer have a right to privacy pursuant to the Fair Credit Reporting act 15 U.S.C 1681b : any consumer reporting agency may furnish a report under the following circumstances and no other. 

1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

2. In accordance with the written instruction of the consumer to whom it relates.

I the consumer have not given any written instruction to any consumer reporting agency to furnish a report. Especially one that is not equitable to me. Therefore the items attached to this complaint need to be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Truist closed my account, explanation from them suspicious XXXX payments... i received a letter saying they would send me a check for remainder balance 7-10 business days after XXXXthat time passed and i called again, i was told a XXXX  payment XX/XX/25 on hold and to call XX/XX/25 ( today ).. 

Now today they are telling they will not issue a check to me... but i ahve to go to nearest branch to sort repayment of funds which is 250 miles away ... a 8-9 hour round trip... 
This is ridiculous, never had this trouble before.. 

They have my passwords ..my ssn ... my mailing address..my security questions ..driving a whole day to sort this out is uncalled 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have previously contacted XXXX, experian, and XXXX about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for sixteen years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX XXXX have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX XXXX of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the three credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I have sent all the correct information to the credit reporting agencies and the FTC report according to the FCRA. My disputes are not being processed correctly and I am not getting copies of the verification process These are the accounts : 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 explanation
Consumer complaint received 2023-07-27
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Please remove the late markings ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation