BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TAMMAC HOLDINGS CORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on my manufactured home with Tammac Holdings. As of today, XX/XX/XXXX the title for my home has still not been transferred to my name. 

During closing there was no communication in regards to what I was supposed to do with my down money. Me, my realtor, and the sellers realtor had reached out via email and calls before I finally got an answer about a question we had during our close in regards to paperwork. I then found out 2 days after signing title and loan paperwork I found out my down money should have gone to the seller, I was told that from my REALTOR, who found out from the sellers realtor when they realized they had not received the full pay from Tammac Holdings. 

On XX/XX/XXXX I received a call from the leasing office at our mobile home park stating that the auditors office here in Ohio had reached out because the title to my home had not been transferred. I called the auditors office and then immediately reached out to not only my loan officer via email but I called Tammac and left 2 voicemails then emailed the customer service department with no response. I finally received an emailed response on XX/XX/XXXX stating my issue had been escalated. After a few other email communications ( that I do still have for evidence ) my issue is still not resolved! I even filled out new title paperwork and not only emailed it on XX/XX/XXXX I also mailed out the originals on XX/XX/XXXX as well. 

I emailed again on XX/XX/XXXX with no response and then again on XX/XX/XXXX. After another no response I emailed on XX/XX/XXXX and finally received a response on XX/XX/XXXX telling my application would go out on Monday. After a month here we are and my title is still not in my name! 

So for 9 months I have been paying a mortgage on a home that is NOT in my name, I am not even sure if my property taxes that are/were built into my loan have been paid. I am furious with the lack of communication and responses I have been dealing with. 

The last communication I received from the auditors office had the sellers name on it for a bill and not my name as the new owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 with 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX  XXXX XXXX Balance : {$0.00}. I believe it was reported in error.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2022-06-14
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acima Digital FKA Simp reported to XXXX Credit Bureau that I owed XXXX. I don't owe such amount. The creditor failed to follow the Fair Credit Reporting guidelines prior to reporting this derogatory information to the credit bureau. As such, it is requested that the collection be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to formally dispute and request corrections to the inaccurate information on my credit report, as maintained by TransUnion. I initially contacted TransUnion regarding these discrepancies on XX/XX/XXXX ; however, as of today, I have not received any response from them. I am seeking your assistance in addressing the following discrepancies : XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ) : You are reporting the XXXX account with an incorrect balance of {$14000.00}. I distinctly remember the balance being lower than this reported amount. 
I request the removal of the information concerning the Past Due amount, as this account is closed and charged-off. 
To avoid further negative impact on my credit score, I kindly request that TransUnion mark this account as disputed. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) : The information presented on the XXXX XXXX  account requires investigation. 
I acknowledge the original creditor as XXXX XXXX XXXX XXXX ; however, I have not received any communication from XXXX XXXX. 
The reported balance of {$1400.00} is inflated and inaccurate. I dispute this amount and believe that I owe a lower sum. 
Due to these inaccuracies, I dispute the entire XXXX XXXX account and insist on verification of the following dates : Date Opened and Date of First Delinquency.

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 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 someone stole my Bank of America credit card and made a fraudulent purchase of {$860.00} with XXXX which is a vendor I have never used. I called the Bank of America on XX/XX/2023 and reported that my card was stolen and Bank of America told they would remove this fraudulent charge. Later on XX/XX/2023 Bank of America added this fraudulent charge back onto my credit card account. I called Bank of America on XX/XX/XXXX and asked them why they had added this fraudulent charge and they told me I had to pay for this even though my card was stolen. I would like Bank of America to re-remove this {$860.00} charge from my account.

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 monetary relief
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2023-09-19
Company: InDebted Corporation
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:
XXXX XXXX XXXX has reported a debt against my Social Security Number that has heavily affected my credit score.XXXX  has reported the debt as being opened in XXXX of 2022. I know that time of debt has adverse affects on scores and they have intentionally listed the debt at a different date. The information on my credit report is inaccurate. I also have another company trying to collect the same debt Who is XXXX  giving my personal information to? Please delete my information as it is wrongfully being reported and please stop sharing my information with Indebted. In the response to this complaint.I would like to know how and why Indebted is contacting me and has my private consumer information? 
In the photos attached, you can see that you can pay indebted or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID 19 and loss of my job I fell behind on my mortgage payment. I contact Flagstar immediately and was placed on a repayment plan. Unfortunately, I was unable to complete the repayment plan and I was placed in the loss mitigation process. 
this was due to my father who was ill and ailing parents during the COVID 19. My father subsequently passed away. In XXXX of 2021, called Flagstar to inform them that I was ready to resume my mortgage payment and needed them to place the pass due payments on the back of my mortgage loan. The representative explain to me that I was eligible and proceeded to asked me probing questions to determine what option was best for me. They stated I qualified and within the next few weeks I should receive a packet from them to sign and explaining the new terms along with payment amounts. Since that time I haven't received any paperwork, or phone calls. I have called several times and I have been told that they my loan is still in underwriting. I was told that they are still working on my file and I should receive something in the mail soon. Fast foward to XX/XX/XXXX, I called Flagstar bank and was informed that they did not complete my review and I would have to submit a loss mitigation packet. I did not request or ask for a review for loss mitigation. I would like to resume my mortgage payments. I was advised to not make any payments until my deferment review was completed. They do not want to admit that they have missed their timeline for my review and have failed to communicate with me directly since the process has started. Flagstar wants me to start my timeline all over again, and for what? Why can't they communicate with me in a timely manner and keep me informed of next steps. They asked me to verify my phone number because they had another number on my file. I have had the same number for over 30 years. I have not idea why my phone number was changed. They also told me that my loan was extended out until XXXX, something that I didn't request. If my deferment review was completed within the allotted time frame, why would I need an extension of my deferment review. I asked to speak to a manager and was placed on hold for well over 30 minutes. This has been a continuous issue with Flagstar bank. The representative never came back to the phone.

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 2023-05-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00}, XXXX XXXX XXXX XXXX  : {$0.00}, XXXX XXXX XXXX  : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX {$1600.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
Filed a complaint with all three credit bureau and the information has not yet been corrected the loan balance s reporting incorrect please see attached statement balance highlighted.

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 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX please 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and Transunion from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response. 
I will be filing a lawsuit for improper reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX, XXXX, and Transunion do not remove this information from my report, I will be filing a lawsuit on them as well. See attached documentation as proof.

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