BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: Infinity Home Lending
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
applied with XXXX XXXX for a home refi. Paid the appraisal fee with credit card ending in XXXX ; dated XX/XX/2019. 
We decided to change lender a short time later. New Lender Infinity Home Lending charged another appraisal fee on closing. This was financed. 
XXXX XXXX is the appraisal company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had issues with XXXX, XXXX, and Transunion about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.

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 2019-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already tried reaching out to Experian about this issue but they refuse to verify this account or delete it. I have express to them multiple times that this XXXX  XXXX XXXX account does not belong to me. I have provided documentation to Experian showing this account doesn't belong to me. Also the account claims to have a billing address that i have never lived at as you will see on my credit report. Also I have a letter from Equifax showing the account couldn't be verified seeing as though I have never lived at the address the company is reporting. Seeing as though Experian is still reporting this account I can only assume they are just reporting the account because they are getting paid to do so, because I have provided more than enough documentation to show this account does not belong to me. Meanwhile, Experian has not provided anything showing this account is mine. Furthermore, I will have no choice but to present this information to the FCRA, and other state and federal courts if Experian still refuse to delete this account. The last thing i want to do is get the courts involved, but I will if i have to.

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 2018-02-09
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
House modification info. 

I am not sure you can help us but thought I would ask. We recently attempted a modification from ( 2nd time due to medical reasons, we had been approved for first mod., but had a medical emergency happen & hence a 2nd try for another modification ) of our Fannie Mae mortgage thru Ditech . We had got behind in payments due to medical bills that came up due to a medical emergency with my husband. In XX/XX/XXXX we met their representatives for a mediation & agreed to us doing an application for a modification. Then mid XX/XX/XXXX we began a modification that was drug out for almost 5 months. All along the way, the Ditech representative reassured me that everything looked good & that we would be just fine. It was never easy to get through to this representative & we always had to leave a message. We were continually asked for documents several times, as they would claim they never got what I sent. This one representative also told me that she alone had over 1000 modification applications that she herself was processing. At the end of the XX/XX/XXXX month, the representatives phone extension became non existent & I could not even call into the company as my calls were rejected automatically by the phone co. I used a friends phone & called & asked for the lady whom I had been working with for those 5 months & she no longer existed. All along this 5 months & before that, Ditech was adding all kinds of large fees to our account. Our mortgage balance went from $ XXXX to $ XXXX.,  My husband is XXXX & receives a pension & social security. This is a classic case of American Greed in our opinion, we are the little guy being squashed by corporate America. Have you heard other stories like ours? Anything your company could help us with? I know this is a long shot but saw an ad by your company. 

Your reply would be greatly appreciated. 

Thank You!! 



Sent from my XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MA
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:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

XXXX : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

Experian : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX # XXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXX XXXX XXXX  # XXXX Date Opened XX/XX/XXXX In the amount of {$3900.00}.

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 2022-10-05
Company: Army and Air Force Exchange Service
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a Military Star Card account on XX/XX/XXXX for {$4.00}, XXXX. I began making monthly payments of {$96.00} to $ 100 monthly from on or about XX/XX/XXXX until my last payment of {$100.00} on XX/XX/XXXX ( please see attached email receipt ). XX/XX/XXXX my amount due was {$4000.00} eventhough i NEVER missed ANY payments. Within 7 days of my payment I received email on XX/XX/XXXX stating I had missed my payment. Then on XX/XX/XXXX I received another email stating I was 2 payments past due and that my account was suspended. Then on XX/XX/XXXX I received another email stating my account was 3 payments past due and that they would begin Garnishment, reporting to Credit Bureau etc. 
I had XXXX % income reduction due to COVID-19 Pandemic. 
Fast forward to XX/XX/XXXX. I called to request debt reduction and settlement of my debt. The Senior Representative XXXX XXXX XXXX told me the following : " XXXX Outstanding Debt Military Star AAFES reduction of debt policy my Account doesn't qualify Minimum 12 months to apply for reduction of debt Default XX/XX/XXXX. '' They had already initiated Garnishment orders. 
I requested to speak with a Supervisor. XXXX XXXX XXXX came on the phone and stated the following " 2 consecutive payments then I qualify for reduction of debt '' I agreed to make 2 consecutive payments of {$1500.00} on XX/XX/XXXX and XXXX to qualify for this reduction of debt. 
I was instructed to call back before XX/XX/XXXX when the next interest cycle would occur and offer to resolve debt. 
I called on XX/XX/XXXX and spoke to XXXX XXXX again. 
Now I had XXXX remaining, and I asked for Reduction of debt and offered to pay an additional {$500.00} submitted. I was told it would take upto XXXX business days for a response. On XX/XX/XXXX, I missed a call from XXXX XXXX but a message was received to return call. On XX/XX/XXXX I received another call from XXXX XXXX that they declined my offer and stated I had to pay {$1800.00} " flat '' of the {$2300.00} remaining, eventhough I just paid {$3000.00} in the last 2 weeks. I asked could there be a reconsideration for possibly {$800.00} or {$1000.00} and he said NO. There is NO reconsideration. I have NEVER heard a debt collector unwilling to work with a client. XXXX XXXX was off that day.

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 2023-12-05
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX : {$610.00}.

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 non-monetary relief
Consumer complaint received 2022-10-18
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:
Hello CFPB, This is my third attempt to have my credit report to read correct and accurate information. I recieved coorespondence thru the mail stating the accounts were verified and updated. The documentation used to conduct their investigation where not included. Even after saying the information was verified and correct Once I viewed my consumner reports none of the information was changed. All XXXX credit bureaus have inaccurate and incomplete information on the accounts. They even have different data from eachother listed on the accounts. I've called multiple times and even sent emails to the CEO. They continue to report inaccurate and incomplete information even after saying it was verified and updated. In regards to Accounts - XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. i HAVE ATTACHED THE CREDIT FILE WITH EACH INACCURACY CIRCLED AND NOTED. I HAVE ALSO ATTACHED THE LETTER THAT I SEND VIA EMAIL TO THE CEO. TRANSUNION XXXX AND XXXX ALL REPORT DIFFERENT INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION If, after any reinvestigation of a minor item under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,

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 2019-12-18
Company: Experian Information Solutions Inc.
State: NC
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:
I have spent time day and night working to resolve this issue this is my third attempt.

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 2021-12-14
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: Problem with personal statement of dispute

Complaint:
EQUIFAX IS REPORTING A COLLECTIONS ACCOUNT THAT I HAVE DISPUTED TWICE AS FALSE. FIRST TIME IT WAS RESOLVED IN MY FAVOR AND SECOND TIME, THE SAME ACCOUNT FROM A DIFFERENT AGENCY, WAS NOT. ALL OTHER CREDIT AGENCIES HAVE RESOLVED IN MY FAVOR. I PROVIDED DOCUMENTATION PROVING THE DISPUTED AMOUNT IS COMPLETELY FALSE AS THE " CREDITOR '' ACTUALLY REIMBURSED ME SEVERAL TIMES FOR THEIR ERROR ( ATTACHED HERE )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt should be paid off since I have been paying it for 2 years now. I did the calculations with my statements coming up to this month. I have called numerous times and have left two messages. They have continued to ignore my calls and fail to call me back. My payments are on automatic withdrawal and it just keeps pulling. They will not communicate with me and I feel its a scam and they have collected so much money from me. XXXX XXXX XXXX in XXXX Virginia. They cant keep collecting money, not communicate and then if I cancel my card report that Im still in collection when Ive paid the full amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-05-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the Fall of XXXX, I tried to apply for a HARP refinance loan only to find that XXXX XXXX, who serviced the loan, had " bank errors '' which forbid me to do so. Hence, it was recommended that I apply for a " Loan Modification '' instead. The problem was ( as countless other consumers have experienced leading to even foreclosure ) this process was flawed with delays, incompetence, and never ending re-applications. ( In fact the Attorney General for the XXXXtate of Minnesota intervened at one point to shut down an illegal  foreclosure date! ). 

Though it took a long time, it appeared that XXXX XXXX had " finally '' reached an approval of {$1100.00} per month modification ( my current 5.25 % loan at {$1700.00} payment ), but inexplicably before signing off the 3 month trial period, transferred the loan to Rushmore Loan Mgmt Services of XXXX, CA. in XXXX, XXXX. 

That is when the insanity became even worse! 

After several applications, the underwriter presented questions never asked in my 35 years of finances which even my legal counsel could not rectify ( counsel had worked countless times with Rushmore who has had nothing but documented nightmarish experiences for consumers nationwide ). Even though I have presented financial numbers that more than qualify me for not only a Loan Modification, but even a Refinanced Loan, they refuse to " approve '' or even consider any option but either : ( 1 ) Foreclosure or ( 2 ) Repayment of back payments which would be insurmountable at approx. {$100000.00}. I have endured countless monetary losses from legal fees, not to mention did not receive a lower a 2.75 % APR as well as my credit report was ruined! My health has also taken a toll from the endless stress and hours over the years battling for what " never should have been ''. 

Now I am faced with a Lawsuit '' and even possible " Foreclosure '' when I have the Employment ... Qualifying financials ... to make payments and qualify for a modification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Loan # XXXX XXXX Rushmore Loan Mgmt.  Services 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