BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Exeter Finance Corp.
State: AE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 USC 1681a ( d ) consumer report, ( 2 ) exclusions. the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report. Further, it explains more in detail on the US Code provided, also stated in my original report about exeter finance. They provided me with a contract between XXXX and myself, not with exeter finance and myself. once again 15 USC 1681 Section 602 A, section 604A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Information Request Mortgage Loan Number : XXXX My loan is Serviced by Select Portfolio Servicing. 

I have been doing much research on the The XXXX XXXX held XXXX XXXX XXXXXXXX XXXX XXXX Mortgage Backed Notes that I am told my mortgage is entrusted to. I can not seem to find any information on this Trust past XXXX. 
I have spoken with XXXX XXXX, Vice President l Team Leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he was unable to answer my enquiry other than telling me I should talk with someone at XXXX XXXX, who he says in managing the Trust. 
I have had no success in tracking down any information through XXXX XXXX on this Trust through many attempts made. 
I have also made a request to Select Portfolio Servicing to supply me with the latest financial report for the The XXXX Bank held XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes and so far have been denied. 
So now I am dealing with 3 entities to find out information on my one Mortgage note that seems to be lost in oblivion. Two of these entities have been charged and found guilty as well as paying out settlements for various fraud involving mortgage trusts as well as banking fraud. That being XXXX XXXX and XXXX XXXX. This worries me. 
What also worries me is that Select Portfolio Servicing, who services my mortgage for XXXX XXXX, is also involved in many lawsuits as far as collection issues and fraud. Even the bank that owns Select Portfolio Servicing has just been recently hit with a 5.28 Billion Dollar settlement for its hand in mortgage securities fraud. This should worry everyone involved with these financial entities. 
So out of concern for my finances I simply ask Show me the end of XXXX financial report for the XXXX XXXX XXXX XXXX XXXX. To me right now all its just a name youre throwing out there. Show me something real about it, show me it exists as of XX/XX/XXXX. 
I have a pending payment plan with Select Portfolio Servicing. I have until XX/XX/XXXX to get all my information into them for approval of said Payment plan. I have been threatened with Foreclosure multiple times and am just looking for a piece of mind to know exactly where my money is going. 
Unfortunately, I am stuck dealing with Banks and Collection companies, whatever Select Portfolio is, who have been proven to be untrustworthy and have been found guilty of fraud in the past and present time so I need to protect myself and my family and my home. 
If you need to contact me to discuss this request, I can be reached at XXXX Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dear CFPB I have attempted numerous times to contact the 3 credit bureaus about incorrect, inaccurate and compromised information reporting on my credit profile. On XX/XX/2023 I spoke with an XXXX Representative that was extremely rude and unprofessional. Her name given was XXXX and she stated she was located in XXXX XXXX. I asked how is this possible when I'm located in the US. XXXX did not process my request. I was suppose to be contacted back within 24 hours by a representative in the US and no one called me back. Inquiries show on my report that were not authorized by me. 2 collections appear on the credit report that are not mine. I'm sick and tired of these companies ignoring my request to delete this information as they have no lawful authority to report it first of all and have failed to provide evidence to support otherwise. I have filed an FTC report which is attached. 

TransUnion is denying me my right to dispute the inaccurate information on my report. I have included the message that I receive when trying to contact them direct. It appears as the credit bureaus are conspiring to hinder consumers from improving their credit standing by denying access to file disputes.

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 2022-12-21
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: Account information incorrect

Complaint:
Hi, XXXX XXXX is inaccurately reporting a past due amount and balance of {$230.00} on my credit report for an account that has been charged off and resold to another creditor.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


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 2020-02-07
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reported Bridgecrest as stolen I identified opened a account without my knowledge they too the original acct off but Bridgecrest sold that account and XXXX  put it back on wont remove it after it the the same account they removed before. Same issue with the sprint account on XXXX  they rude and dont listen to your statement or the FTC report sent I want those 2 accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I checked my bank this morning and this debt collector took XXXX dollars out of my account. I called the bank and they gave me the number of the collector and said that they had a court order. I never went to court. I dont have a job and Im still fighting with XXXX XXXX XXXX  over the work mans comp. There is no way to reach these people because it says the line is busy. the only income I have is childsupport.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 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 2018-08-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I called Transunion today to remove incorrect information, namely " Inquiries '' from my report, because my consent was not given. I was told they could not remove any inquiries and that I need to get the FTC Report and send it to the bureau with proof of ID. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX Pursuant to federal law title 15 usc 1679c I have the right to have inaccurate information removed.

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 2022-03-13
Company: CMG MORTGAGE, INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Im filing a dispute with CMG financial which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to CMG financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to CMG financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX2022 and my grace period of 60 days has not expired. I made a payment to CMG financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. CmG financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX To Whom It May Concern : I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate. 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/XXXX Please remove any other dates or years you have listed. 

Please REMOVE ALL EMPLOYERS that you have listed as they are inaccurate. 

Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX Enclosed : Photo ID, Proof of XXXX, Proof of Address

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 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
ive reprted multple times on my report that this account was open in fraud the company is XXXX wich the bank is bank of ameica its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXXXXXX buisness has removed it aswell XXXX and XXXX XXXX .but XXXX and bank of america XXXX adhere to my demands wiyh the proof of afidavid im demanding bankl of america and XXXX to remaoe this fruad account off of my report the account is XXXX open on XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

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 2022-03-13
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to place a complaint against US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX. I have a mortgage loan that I requested a payoff in full since XX/XX/XXXX. I requested a payoff balance with US Bank and was sent a payoff letter on XX/XX/XXXX. The problem is with US Bank 's 3rd party vendor XXXX XXXX XXXX for the second lien. Apparently, XXXX changed to a new entity and US Bank keeps waiting for the new company which I believe is HUD to get the second payoff. Each entity is blaming the other stating that HUD won't provide the payoff and when I contact HUD they said that US Bank needs to reach out to get the payoff. Each entity is NOT providing the correct payoff information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX. The title company and myself have reached out to both US Bank and HUD at least 3 times a WEEK since the end of XX/XX/XXXX to get this resolved and each entity blames the other with NO results. I am NOW penalized 2 more months of finance charges and late fees because neither entity will provide the correct payoff. I am requesting your help to have these charges reversed and credit repaired due to their incompetence. I am also requesting your help in obtaining the correct payoff ASAP. I have had my condo in escrow since XX/XX/XXXX. The new borrower has provided the title company funding ( cash sale ) for the payoff and now losing dividends on their money as well. This is a private sale between buyer and myself. My loan # is XXXX. My property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. FYI- Weekly sometimes 3 times a week I call, the title company has called and sometimes we conference call these entities since the end of XXXX to get this resolved and each one blames the other. We have been on the phone for up to 2 hours at a time. Customer service at US Bank has TONS of notes on my account referencing payoff request YET no one can help. I have been offered a return call from a Supervisor that has NEVER happened. I feel US Bank and HUD will not provide the correct payoff amount in order to un-lawfully gain additional finance charge and fee income. This complaint is over a payoff quote - nothing more ... how hard can this be? What they are doing is un-lawful and if this can not be resolved to MY satisfaction which is reversing all charges as of XX/XX/XXXX I will be seeking legal advise and starting a class action lawsuit on US Bank and HUD. I have also file this same complaint with the FDIC. US Bank and HUD has left me no other recourse. I want this resolved by XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief