BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
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:
I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.

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 2020-07-08
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
2nd complaint Reference # XXXX I have called everyday and automatically placed on hold for long periods of time TODAY ( 2days before foreclosure ) I am on hold now for 36min and still waiting PHH has set up 3dates for telephone conference which THEY NEVER CALLED CAM YOU HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX of 2019, I had purchased a car for XXXX. I put down XXXX dollars. The credit company was Credit Acceptance, my bill was a total of {$18000.00}. How is that possible when i put down {$8000.00} dollars? The loan interest rates where incredible. I feel something is wrong. The difference was only approximately, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.

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 2021-04-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My property was sold in XX/XX/2019. The title company failed to issue a payoff to the mortgage holder Rushmore loan management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Not my fault. I have tried reaching out on many occasions during this time and keep getting the run around being sent to different departments such as escrow, insurance, general correspondence, etc. Each time I get told that department can not help me and get transferred back. I have contacted the local tax accessor to get a refund, they have verified that they are receiving duplicate payments from both my loan company and the new home owner. However, they will continue to process any payment that is sent to them even in error. I have talked to the insurance agent that I had insurance with and he has denied their request for extension. Yet, they still continue to take out money for insurance and can't provide a name or company to whom I am provided insurance with. How can you pay taxes or insurance on a home that you do not own and someone else has a mortgage and escrow on that property? Rushmore consumer affairs department looked into the account and refused to help me even after the payoff was provided. I hesitated to payoff the loan because I knew that if I had trouble getting an answer or help when I owed them money, then I knew I would be out of luck once I paid them off. My intuition was correct no help after payoff, even denied help from a submit complaint to their XXXX XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Capital one Bank Issued a check for $ XXXX to XXXX XXXX XXXX   from my account on XX/XX/XXXX based on the old/invalid Indemnification letter dated ( XX/XX/XXXX ). 
They have neither took my approval nor informed me about the transaction and after week I noticed when I was trying to pay Bill Pay.  I got panicked by seeing the transfer out of my account with $ XXXX ( As I did not do any transfer and the online transaction says transfer out ). They sent the funds ( cashier 's check ) to XXXX XXXX in regular mail without any tracking details and XXXX XXXX is saying that they have not received the funds. 

Due to lack of the funds I cancelled the commercial property purchase ( I got the approval from seller ). This is big loss for me and after calling many times to both banks they are unable to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: AFNI 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: Investigation took more than 30 days

Complaint:
I have requested for XXXX, XXXX, and XXXX investigate accounts on my credit report, The investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Account status incorrect

Complaint:
I have reached out serval times asking for them to verify this info still haven't done it. I asked what method did u get this from please send the original purchase agreement to verify this debt of {$11000.00}, {$4700.00}, {$10000.00}, and {$10000.00} no action has been taken since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions 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:
Ask for unauthorized inquiries on my report to be removed. The companies response was they were able to validate and show that theres items listed were in fact authorized by me. I want the company EXPERIAN to remove these harmful inquires from my credit report in compliance with the fair credit report act. Im am new to credit but i understand the rules and laws, im in the process of putting a freeze on my profile to prevent this from happening again.

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 2020-11-28
Company: EQUIFAX, INC.
State: VA
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:
I submitted a dispute with Equifax, XXXX and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent Equifax a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have 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 without my written instructions. 

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried to work with Carrington Mortgage to save our home we realized that XXXX was the former owner of our loan and they liquidated through a Chapter XXXX Bankruptcy. We are trying to understand if our home is a part of the liquidation?

Before we got to this status we have submitted payments to Carrington Mortgage and they have sent them back to us.

Recently Carrington sent to us a Loan Modification Package and we completed the application and submitted the requested documents. Documents were due back on XX/XX/XXXX. We submitted the completed application and supporting documents via XXXX onXX/XX/XXXX.

We spoke to Carrington Mortgage today and found that they did in fact receive the documents but they refuse to look at them because it was not with the 32 or 37 days before a sale date to be considered for a workout. We were constantly calling them and not one time did anyone tell us that after compiling documents and sending them by XX/XX/XXXX they were just going to reject all of the paper work and hope of getting our mortgage back on track. We were never told that this information until today.

We are asking for help in acquiring a desired Loan Modification and stopping the sale date scheduled for auction XX/XX/XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Spoke to XXXX this morning and he did state that he did not want to debate with me on the issue. Called back and got another representative who has submitted a dispute and I uploaded my concern to the portal as well. Reached out to HUD and they stated the lender is responsible to retain the correct and adequate information and that CFPB would oversee any issues. Below is my concern. 

To whom it may concern~ I contacted Rushmore today in regards to two items. As it relates to the first item, the customer service representative has requested an investigation and I am following up in writing to also recap the issue.

1. Loan # XXXX was closed on XX/XX/XXXX and funded on XX/XX/XXXX. Your system reflected as closed and payment received on XX/XX/XXXX in your system. On XXXX XXXX, XXXX and XXXX XXXX, XXXX there were payments made reflected as a line item for FHA MIP monthly premium payments in the amount of {$220.00}. 
The new loan in which you were servicing loan # XXXX, since this was a FHA streamline refinance, had the first payment due XXXX, XXXX. On XXXX XXXX, XXXX there is a line item that also reflects a FHA MIP monthly premium payment in the amount of {$220.00}.

I would like for this to be addressed and the fund issued out immediately to me. I contacted HUD resource in regards to this matter and they stated as a lender you are to maintain the adequate records as it relates to these payments.

2. Loan number XXXX was paid in full XX/XX/XXXX, reflecting an escrow balance of {$270.00}. Please ensure that funds are returned to me or documentation as to what these funds were applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: PA
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:
Its has been since XXXX of XXXX  to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/2022 to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Please verify Within 5 business days in compliance with FCRA XXXX XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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 information incorrect

Complaint:
I have a XXXX XXXX  account and on the bank website they offer your credit score thru a portal called XXXX XXXX. I have check my score every week for the last couple of years. Over that time my score has gone up slowly 1 or 2 points here and there. This past week when I checked my score it had gone done by 64 points. I waited a week thinking there my be a problem with the bank website ( XXXX ). Then I checked all 3 of my Credit Reports ( XXXX, Experian and XXXX  ) and nothing has changed on my reports except that my loan balances have gone down each month as expected. I did not submit a loan application, I did not request a credit card, I did nothing different. The only changes in my life that happened in the past year is that I retired XX/XX/2021 and I change Car Insurance companies on XX/XX/2021. I wonder if there is/was a problem with XXXX XXXX and that maybe it had been reporting inaccurate information. Any information that you can provide into the reason for this drastic drop in my credit score would be greatly appreciated, Thank you and have a great weekend. 

P.S. My Life ( XXXX XXXX ) score drop by XXXX points at about the same time. 

Email address : XXXX or XXXX Cell # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights XXXX 

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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Mr. Cooper Group 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:
In XX/XX/2019,

Seterus transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. Seterus did not indicate that it closed the account because its OWN DECISION.

And Seterus did not report that account was in good standing which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter from GC Services, reference to City of   XXXX Taxes. Dated back to XXXX. After receiving several telephones calls I told GC that I do not owe this and Sent a certified on XX/XX/XXXX to validate the debt. I have not gotten a response as required by law. This debt is past the statute of limitations and is not collectable. This ompany is knpwn for violation the Fair debt Collection practices. 
XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.

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