BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage company on XXXX to ask what my options were regarding modifying my mortgage. I spoke with XXXX in loss XXXX and she suggested that I apply for a Covid Forbearance since I had lost my previous job and then apply for a mod. It was my understanding at the expiration of our call that the Forbearance had been applied for. I called back on XXXX to obtain an update and was told that the Forbearance was never entered into the system. At that time XXXX stated that she would enter the Forbearance and I requested a call from a supervisor to file a formal complaint and to get an understanding as to when I would hear back about the request. I never heard back. I called back on XX/XX/XXXX and was told that it was still under review and that a manager would call me back from loss mit. I never heard back. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX only to be given the run around once again. I can not get anyone from loss mitigation to call me or to answer any definitive questions regarding the request for a forbearance. It ridiculous to have to call back so many times and not I feel like they are just giving me the run around. I then requested the number or email for the regional bp or district manager and was told they could not provide that information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 loan was Forgiven effective XX/XX/XXXX, I received the confirmation letter on XX/XX/XXXX. The letter states that the credit bureaus would be notified by the end of the month and my status updated. I followed up with XXXX in XXXX because I did not see a change on my credit report the next month and was told on the first initial to send the credit bureaus the letter I received and to dispute the item, but that they had reported on the XXXX of that month and I should see the change in XXXX, I did this and the credit report investigated and said that XXXX had confirmed that the account was still open and owed and did not remove it from my credit report. I contacted XXXX again and was subsequently told it takes XXXX days from the time the loan was forgiven to be removed from the credit report and that it should be reported at the end of XXXX and I should see an update to my credit score in early XXXX, when XXXX came and there was still no update to my credit report I contacted XXXX again and was subsequently told that it takes 90 days from the date of the letter for them to update my credit report and that since my letter was dated XX/XX/XXXX that XX/XX/XXXX would constitute 90 days and that after that If I had not seen a change to my credit report by the beginning of XXXX I could contact model and that is when they would have to take action. When XXXX rolled around and there was still no change in My credit report, I contacted XXXX again and this time was told that all the prior information I had received again was incorrect and that it takes XXXX business days for them to report the status to the credit bureaus. I have been given incorrect and false information every step of the way and it seems they keep changing the timeframe based on rules that I am not made privy to. However what I do know is that before my loan was forgiven it was reported accurately every month on the last day of the month like clockwork, yet for whatever reason now they are unable to report it for 4 months going on XXXX and according to their new calculation 6 months, which seems unnecessarily long to manufacture an update that has been confirmed with several letters and clear statement showing I have a XXXX balance. I am complaining about the lack of valid information I have received, the inability of the servicer to practice due diligence and the long timeframe that basically is negating everything having a loan paid off should do, because if they are not updating it with the credit bureaus it still looks like I am carrying that debt.

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 2023-08-11
Company: EQUIFAX, INC.
State: AZ
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NC
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 XXXX 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I XXXX XXXX sent a letter to this credit agency to update and correct the information on my credit report. It is now XX/XX/2019 and I have yet to receive a response.

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 2023-11-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XX/XX/2023, I submitted to Equifax all information required ( per their website ) along with letter requesting a credit freeze be added to my XXXX child 's account. They sent a letter stating they could not process because they needed additional information ( but letter did not state specifically the additional information needed ). Upon calling customer service, they said that the SS information was illegible. 
I resubmitted ALL of the information again XX/XX/2023. And, this time, printed a clear copy of the SS card. ALL information submitted was clear and fully legible. 
They sent a letter XX/XX/XXXX that they could not process ( again with no specifics as to why ). Called customer service who, after 30 minutes on the phone with them, claim ( 1 ) they do not know why it could not be processed. 
( 2 ) they dont have a copy of the letter sent to me and do not know what the issue is. 
( 3 ) they dont have access to the processing department to determine why the re-submission could not be processed. 
( 4 ) they can not provide me with a phone number or other direct contact to the processing department to assist in determining how to rectify the issue. 

Note : in XXXX, all the same information was provided to XXXX and XXXX... both of those companies quickly and without issue added the security freeze to my XXXX child 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: FL
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:
I have tried for the past 3-5 months to correct open ongoing issues. The main concern is my credit score. It was at XXXX on its way going up and due to false errors which experian refuses to truly work on, my credit reduced. 

I want to take an adverse reaction, these credit reporter mess with your livelihood and expect later for the consumer to hire companies to fix their errors and clean up their mess. 

My score is questionable due to their errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Many student loans amount on my credit that I am not aware of. I called to try to clear it off. And did a dispute. The account numbers are not the same. And by law if it don't match it have to be removed. Not to mention the ssn it's wrong also.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: TX
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:
Did not do complete through investigation

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 2019-12-23
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt with a collection agency for almost 2500.00. I broke a lease 3 years ago I went to court and no one showed up from the apartments I moved out of so the court dropped the case. I tried to get an apartment now and Im getting denied because this is on my credit so I have called the company that owns the debt and they refuse to send information on the debt I also agreed to set up a payment plan but they refuse to send proof in writing that I have set up a payment plan. I have since emailed them multiple times trying to settle the debt and they will not respond to my emails.They also informed me over the phone that the balance goes up each day that its not paid. The company is a collection agency Hunter-Warfield

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 2018-12-22
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
New American Funding is calling me multiple times a day about late payments and I have asked them to stop but they refuse. My car was stolen XXXX Police Department case XXXX. They refuse to accept ACH payments because I was late a few times so I have no transportation and they refuse to take payment anyway that I can pay them. I have a titanium rod in my leg from knee to ankle so walking to the bank is not an option, the wire fees are costing me {$20.00} a month on top of late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 2021-03-07
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: Investigation took more than 30 days

Complaint:
Transunion has not responded to any of my disputes Letters sent XX/XX/XXXX Certified Received XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Sent regular Mail XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are XXXX  -inaccurate and unverified XXXX-inaccurate and unverified XXXX XXXX-inaccurate and unverified Letters sent XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are Chapter XXXX Bankruptcy -inaccurate and unverified XXXX XXXX -inaccurate and unverified Response from TransUnion is just a single page saying the are investigating On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and a form that I have filled out and returned on many different occasion with current driver 's license, copy of social security card and a bank statement. 

I have already filed 2 CFPB complaints as well XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX I have also contact the state attorney general office of Florida. This is completely unacceptable in completely ignoring my disputes they do not even have the right address on file

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name and alias names need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation.

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 2023-12-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Ref : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Telephone number XXXX On XX/XX/2023, a letter was sent to me informing me that my home was being foreclosed on and would be sold at the XXXX XXXX, foreclosure sale in XXXX XXXX. 

On XX/XX/2023 I paid my loan in full to XXXX XXXX XXXX XXXX ( a copy of the paid file is attached ). Since I paid the loan off, I have been calling XXXX XXXX XXXX XXXX on a daily basis to ask XXXX if they have filed a legal release to my foreclosure proceeding. XXXX customer service representatives have informed me that XXXX is undergoing system consolidation or upgrade and that no information can be given on my file. Therefore, I should continue to call back in a few days. I have also contacted attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, who is the trustee in XXXX handling my foreclosure. The XXXX department who simply gives you an email informs me that the foreclosure can not be stopped until XXXX XXXX XXXX XXXX files a formal release in the XXXX XXXX courthouse. 

I am requesting that the CFPB assist me in getting the loan servicer and law firm involved in this matter to remove my property from the foreclosure sale coming up on XXXX XXXX. 

I have paid what I owe on my home to XXXX. I am requesting that CFPB intervene and assist me in getting the cooperation of XXXX Mortgage XXXX XXXX and release my home that I have paid for by filing paperwork in XXXX XXXX courthouse and in turn I can get my home released from the XX/XX/2023 foreclosure sale. 

The computer issues of XXXX are of no concern to me, I have met my financial obligation and need to have my home released from foreclosure immediately. I am attaching the foreclosure proceeding and the copy of the foreclosure payment confirmation made to XXXX mortgage on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Homeowner department ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-10-10
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Since my income has been reduced to half of what I was earning, my only option was to file for bankruptcy. I spoke to the local store. They refused to talk to me about it. They referred me to the corporate office. I spoke to the bankruptcy department and gave them my attorneys information. 
The bankruptcy department canceled the repossession, but my car was still taken that same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Rent Recovery Solutions
State: TX
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:
1. XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. Rent Recovery Solutions XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: FL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation