BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 explained to Transunion that this account is a FRAUD account but they keep reporting it. I have sent everything requested. Please delete and block this fraud account for XXXX XXXX. This account does not belong to me.

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 2023-09-11
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
several months ago, I spoke with a respresentative from Mr. Cooper who indicated I would have the option to put my past due balance on the back of my mortgage as a balloon payment. Surprisingly. the last XXXX representatives I spoke with have indicated I do not have that option available. XXXX months ago I spoke to a representative who asked several questions over the phone then said this was part of their process to see what program I qualify for. This gentlement indicated I would receive a packet in the mail requesting additional information and to be on the look out. Surprisingly, I received a random denial for a program I was unaware he was trying to get me involved with. I called immediately again, The representative indicated on XXXX I can either pay the {$24000.00} past due today and split {$4000.00} in 3-6 payments, pay the full amount of {$28000.00}, or request a modification. Every time I call I get a different story every single time. I just want to resolve this issue, get my mortgage reinstated and the past due put on the back of the mortgage like I waS TOLD at the beginning before I went on this program. They are not being truthful and I feel like its a shakedown and intimidation tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2021-01-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been applying for loss mitigation assistance with Carrington Mortgage Services , LLC for the past 7 months. I have provided all documents 5 different times and on the phone they say they have everything they need. Then after a couple of weeks I receive letters stating that they need additional documents but they do not state what documents are needed and when I call them they either say they don't have everything or the time has lapsed on certain documents which I in return send them the updated documents immediately. I have email trails for sending them everything multiple times. Also have mailed them with USPS on multiple occasions. I just would like to pay my mortgage every month and not be worrying about foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am disputing the inquiries that appear in my TransUnion report. I have never authorized any inquiries to be made in my report, and I believe that these inquiries are fraudulent. I am requesting that the following inquiries below be removed immediately. 

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 If you have any questions, please do not hesitate to contact me.

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 2023-06-23
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed the error on my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this. This is why I need your 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the inaccuracy of this bankruptcy with XXXX three times. First back on XX/XX/2023, they claimed that time that the information was sourced from XXXX XXXX. I contacted XXXX XXXX and they deleted the information from their records and even provided me with a letter which I will attach here, as soon as I have a chance. When I got the letter from XXXX XXXX, I disputed the information again with XXXX back on XX/XX/2023 and the bankruptcy came back again as " remains '' because they claimed they never received the proof I had submitted which was the letter provided by XXXX XXXX and they wanted me to dispute the information again which I refused because at this point I knew this was an strategy of theirs, to stall and keep me in a loop and never really address the issue and remove the inaccurate information according to Fair Credit Reporting Act 15 U.S.C. section 1681 which there are not in compliance of. After so much back and forth with them, I agreed to dispute the information again on XX/XX/2023 and they assured me on the phone that, because I had provided the letter this time and they could confirm they got it, they would certainly remove the inaccurate information. They just completed the investigation and the disputed information came back ( once again ) as " remains ''. I feel powerless because these credit bureaus abuse and violate our rights. XXXX more thing, they never on their last investigation who was their source for the bankruptcy, as a matter of fact, they never disclosed it in any of their investigations I had to call and ask. Please 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 explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi, I was supposed to be a co-signer for my brothers car and I spoke with the lenders and the dealership to make sure that I was indeed the co-signer only and they assured me yes. So I started receiving bills showing that I was the owner and today I spoke with the representative and she stated to me because my credit was better they flipped it without my consent nor knowledge. This is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 I received a letter from my mortgage lender ( National Mortgage LLC Mr Cooper ) asking me to shop for another home insurance compony until XX/XX/2023 ( when my policy expires ) due to its " low rating. '' I called them the next day without resolution. 
The letter reads " National Mortgage LLC routinely verifies the financial size and rating of insurance companies. Our resources book, the nationally published XXXX XXXX XXXX XXXX XXXX indicates the strength of insurance companies. A company B or better provides the coverage and protection our investors require. Your policy does not meet our acceptable coverage standards. Please contact your agent and provide us with new policy to avoid placement of temporary coverage on your property. '' I am a humble homeowner for XXXX plus years and have been with a number of mortgage lenders before and this was the first time I have heard of this. I am with same home insurance company for years ( XXXX XXXX with my auto insurance to get discount ) and never lapsed on payments. I live in California and some homeowners here are being dropped by other big insurance companies as we speak due to California being a fire hazard. Hoping for resolution on your behalf. Know that your help will be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CORELOGIC INC
State: MD
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:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate. 

The CREDCO responded with a letter which I have attached but they still did not remove these unauthorized inquiries that are reflecting on my credit report. 

I have attached my IDs as per request.

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 2022-08-12
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Additional information after receiving feedback- CFPB complaint # XXXX XXXXA supervisor hasnt called me. I will provide a copy of my phone record. I request this account to be removed from my credit report until document of debt is received from company. My phone number is XXXX I advised XXXX the phone number she gave wasnt my phone number. I agree I asked XXXX only about a pay to delete because of the tone of the call and XXXX implying that I was argumentative. No where in my initial complaint did I say I discussed removal from credit report. This complaint is to request removal from my credit report until I receive correspondence about the debt. I wasnt given the opportunity to resolve debt because the only correspondence was conveniently sent to the wrong address and when the company obtained the correct address no attempt was made to collect the debt. I am requesting the collection process to be reaged to allow the company to reissue the letter and allow me to resolve the account within the 45 days offered in the initial letter. XXXX informed me debtors have 45 days to take action before credit reporting after the letter is sent. Had the company reissued the letter after the correct address was found 1 day after they obtained acct this matter wouldve gotten resolved. This appears to violate FDCPA. I wasnt given a 30day opportunity to resolve or dispute the debt and the company states they updated to my correct address within 24 hours of of obtaining account. XXXX stated the got my correct address from skip tracing, and nothing was returned to sender from the incorrect address. A simple XXXX  search of my name and previous city gives my phone number and agent said they tried to call me and I advised number on file not my phone number ; since a skip trace was conducted 1 day after the company obtained account my new phone number was also found and no attempt was made to call. Considering the timeframe between the company receiving account from XXXX and them obtaining my correct information via skip trace, I am asking the creditor to reage the debt to the original 45 days from notification as per the terms of the original letter to allow adequate time for resolution. It appears unethical and intentional that no effort was made to use correct information was gained via skip trace, especially considering the purpose of skip tracing is to locate, notify, and collect debt ; especially suspicious if my credit profile was accessed through skip trace. If my credit profile has been accessed by this debtor it would appear that debtor avoided using contact information to create urgency for payment because I have a 100 % payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a Loan for {$500.00} from speedy cash in XXXX. It was not totally paid. In XXXX, XXXX put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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 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 2023-09-07
Company: Rocket Mortgage, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a XXXX disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with Rocket Mortgage a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that Rocket Mortgage did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and Rocket Mortgage still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX points while we await a loan modification decision from their underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I submitted a report to Experian to have XXXX XXXX removed from my credit file. Months before then I also requested it be removed as well stating that I do not own the account due to the fact one it was under litigation. The litigation has been resolved the class action lawsuit has been resolved I sent in a dispute saying this information in which Experian stated " they never received " I filed a complaint online with the CFPB in which '' they indicated they wasn't sure who I was ''. I contacted Experian directly in XXXX of 2020 in which I spoke to 2 representatives one indicated that I would have to speak to a specialist as they only have specialist on the ( Disputes ligation accounts ) I spoke with the representative and they indicated they didn't see anything beside one upload from me and to send it again or by mail. I have sent this dispute several times and is now frustrated. Then was told I am selecting the wrong option. I am no longer given an option to say it is litigated. How will I state this class action law suit has been settled?

I have included : Payroll - Check ( verifiying my identity ) DL SSN Letter from the debt collector it was sold to.

Statements and web registration code of the lawsuit all attached to this claim please have this information removed IMMEDIATLEY as this is damaging my ability to obtain credit.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, Transunion, and XXXX reports. 

Please add my contact telephone number to my credit report : 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