BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
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: Information belongs to someone else

Complaint:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.

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 2022-09-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a XXXX XXXX 12 months ago and handled this obligation without any problems. It was reported as been handled Exemplarily. 

However, after it was paid off, I opened another account under the same terms and conditions. 

Then Equifax reported the account closed and it was removed from my credit report, which is contrary to the XXXX XXXX advertisements. An account handled in accordance with the contract was to be closed and stay on the credit report to help improve your credit score by recognizing that you paid off the contract in full and on time. 

Either Equifax or XXXX XXXX has made a mistake, and I cant get an answer. 

Could you intercede and help this issue to be resolved??? 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im in need of dire help  with Ditech at this tim e. I got behind on my Mortgage back in  XXXX  of  XXXX  due to major medical diagnoses of my daughter. I started working with dictech in  XXXX   XXXX  to get modification or payment plan and catch back up. I was told for months that my modification was either being reviewed or missing documents I continued to resubmit these same documents over and over and each time I cal led ditech was told everything was fine and these things take time to keep resubmitting. I contacted Ditech i n  XXXX  to jsut ask if I could set up a payment plan since my amount past due was n't a high amount they told me no that i was being reviewed for am Modification. In  XXXX  of  XXXX  I once again spok e with Ditech and was told I was very close on my modification and to submit paystubs one more time a nd to not worry about any Foreclosure. On  XXXX / XXXX / XXXX  I spoke with a ditech Representative who allowed me to set up a tow payment arrangement of {$1200.00} and then {$1600.00} and it would bring the account current I agreed and was then served a Notice to foreclose on the following Monday  XXXX / XXXX / XXXX . How could I be in line for Modification and a Payment Plan and now being served Foreclosure papers. I have a  XXXX  Daughter and have the funds to pay my past due and keep my home at this time. I need help understanding the Dual Tracking Process that is happening to me at this time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
Dear CFPB, In XXXX through XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) approved me for COVID-19 Forbearance Plans ( *with no impact and no negative credit reporting to my credit file ) of which I rmade all of the payments. 

XXXX then approved me for a COVID-19 Permanent Modification ( {$1500.00} per month ) in XX/XX/XXXX, which was also under conditions that the COVID-19 Permanent Modification would not negatively impact my credit. 
XXXX Representatives informed me on their website, by telephone and written correspondence that my account would be reported as current and there would not be any negative impact to my Credit File/Credit Score for being approved for XXXX  's COVID-19 Forbearance and Loan Modification Plans. 

As of today, XX/XX/XXXX, I have remained current and have never been late on any of my mortgage payments On XX/XX/XXXX, I received a Credit Alert from Experian that indicated XXXX Flagged my Credit File as a Loan Modification. By " Flagging '' my mortgage as a Loan Modification, XXXX has caused negative impact and negative credit reporting to be placed in my Credit File. 

As a result, XXXX has not honored their stated/agreed upon conditions that the COVID-19 Forbearance Plans and COVID-19 Loan Modification would not have any impact to and would not negatively impact my Credit File/Score. 

As of XX/XX/XXXX, my Experian Dispute Results on my Credit File reflect XXXX  listing my Principle Balance as {$190000.00}. This is incorrect as my Outstanding Principle Balance on my XXXX Statement reflects the correct balance as {$190000.00} ( see uploaded attachment ). 

Please note that I DO NOT have XXXX  and my mortgage payment of {$1500.00} includes property taxes, escrow and Home Owner 's Insurance. It may be possible that XXXX is not properly and/or inaccurately distributing and not taking into account my mortgage payments since Late XXXX through XXXX of XXXX to include property Taxes, Escrow, and Home Owner 's These are XXXX XXXX  error to correct and not mine. My Credit File/Credit Report should not be negatively impacted because of XXXX not keeping their conditions by placing negative information on my Credit File/Credit Report, along with errors, inaccuracies, and incorrect information reported by XXXX. 

Additionally, I have made several complaints with the CFPB against XXXX in the recent past of XXXX and in XXXX for inaccurate credit reporting ( inaccurate balances ) and related issues that have negatively impacted my Credit File/Credit Report, but were subsequently corrected by XXXX. 

Thank you for your help. 


Sincerely, 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 explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I Checked my credit report and saw that there is a judgment against me. The reference number is XXXX. 
I have disputed this Judgment directly with XXXX XXXX and they advised me that they are unable to validate any judgments between XXXX XXXX and myself and therefore should be deleted from all XXXX credit bureaus agencies. Please see attached their response requesting advising that it should be removed immediately from my credit report.

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 2017-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Capital One states I owe therm {$420.00} on a credit card that they state I opened in  XX/2014 . Which could not happen being, i lost my job in  XX/2014 .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Creditor Information RUSHMORE LOAN MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX not reporting information to credit bureau XX/XX/2019 my mortgage was sold to this company They removed information showing Payment information on credit report since then for years now again they closed account on my credit report ruining my credit status ... it's open it's not my flaunt they have a lot of complaints against them for a number of issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXXXXXX XXXX in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX XXXX Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, XXXX, Equifax, and XXXX have failed to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Halsted Financial Services, LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting phone calls from HFS. ( Halstead Financial Services. They call and ask for XXXX who is my daughter and I keep telling them she does not live with me. They even called and asked for me but gave me her social security number. They keep calling stating I am XXXX and to stop playing games. I do not owe these people nor am I XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXBalance : {$8700.00} XXXX XXXXXXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I send a lett  er to Trans Union with a copy of my Virginia Drivers License, a copy of my Social Security Card and a copy of a current bill showing my current address. I asked Trans Union to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Trans Union.
Trans Union se  nt me a letter dated  XXXX   XXXX ,  2017  asking me to send them the same information l already sent them, my wife sent the  m the same request at he same time with me and she received her credit report from Trans Union.
Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV web page : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Trans Union send me a paper copy of my report as state by Federal Law. AGAIN THE INFORMATION WAS SENT TO THEM.   Thank You  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 explanation
Consumer complaint received 2017-06-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
Carrington mortgage reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 602A section 2 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
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to XXXX and XXXX XXXX and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you Equifax so you can remove the hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I called CarMax at approximately XXXX to make my XX/XX/XXXX payment. 

The office is in Georgia so they closed at XXXX XXXX  California time. 

The CarMax phone system just told me to call during normal business hours. 

I called that day because I was told by their representative to call and pay by phone. 

Their system gave the same recording that they were closed and terminated the call. 

My younger sister passed away from XXXX the month before, in XXXX XXXX. 

I then made the payment while on vacation in XXXX XXXX early by the next morning. 

Remove the 30 day late from XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: AZ
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/2021, 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 Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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  XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having difficulty disputing wrong information on my Transunion credit report. It gives direction to make disputes online. It will NOT let me dispute online, information will NOT go thru. I called the  XXXX  number to dispute the report as instructed. The foreign speaking rep tells me he can only answer questions he can not fix anything. He then refers me to  XXXX   XXXX . I called and to my disbelief the exact same gentlemen answers the phone telling me the exact same thing that he can only answer questions. He tells me I can talk to consumer monitoring service. I insisted I do not want consumer monitoring service, I want to dispute my report info. After arguing he connects me with the surpervisor  XXXX  who tells me to call the same number he just told me.She tells me to talk with consumer monitoring service and they can change my info. She says I can not access online because I dont have any credit or loans out.?????? She tells me to call same number he did. She connects me with credit monitoring service. Customer service answers tells me she can not help me I have to call the number I already did. So she says she will connect me. Phone loop starts and then tells me I made to many attempts and hangs up

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 2022-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO AN ACCOUNT THAT DOES NOT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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

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 2017-06-16
Company: EQUIFAX, 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:
XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ; EQUIFAX  XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX    XXXX   to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX ,  XXXX  and EQUIFAX in   XXXX  , yet they turned a  blind e ye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act ( SCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA, SCRA and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this was removed from my credit bureau long time ago.now after so many years apper again

Company response to consumer: Closed with explanation