BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   XXXX  which I paid monthly since   XXXX   XXXX   with assistance for this issue in the amount of {$250.00}. As of   XXXX   XXXX   XXXX   I completed the modification which began on   XXXX   XXXX   XXXX   through   XXXX   XXXX   with making monthly mortgage payments in the amount of {$770.00} ( to  Rushmore Loan Management Services )  signing off on the papers on   XXXX   XXXX   XXXX  , with  XXXX   XXXX   XXXX  and sent to  Rushmore 's  Counsel ( unsure of the name of the counsel located in  XXXX   XXXX .  XXXX  ) I have n't received the final copy of the executed modification documents, nor their dismissal of the foreclosure. In addition, and just as concerning is the fact that the payments were made on time and they keep reporting late payments to the Credit Bureaus. Most recently and just as alarming is the bill I received in the mail from  Rushmore Loan Management Services  is for a monthly payment of {$2500.00} due   XXXX   XXXX   XXXX  . When I signed off on the modification documents the payments went from {$770.00} in the modification trial period to {$750.00}. Even with the payment of {$750.00}, I have continued to pay {$770.00} per month to help lower the principal balance due on the mortgage. I have read numerous reviews how  Rushmore  continues to place further hardship on their customers under the foreclosure process. I felt by seeking legal counsel I could possibly be devoid of their stressful hindering tactics. It has been a total nightmare from the mediation with both counsel 's ( mine and  Rushmore  's ) to the insurance incident when I had to call the police and file a report on their insurance person who came out to assess the leaking roo f )  horrible informed my neighbors and called them constantly informing them of my mortgage status which was extremely embarrassing. I was told by a representative of Rushmore, they do n't take it lightly when you get attorney 's involved and tried to get me to get rid of my legal representation. In the final documents Rushmore 's Counsel had placed a clause stating I would not be able to seek counsel after finalizing the documents. I desperately need your help. This process has been extremely costly and painful to say the least. I was referred to your office through Senator  XXXX    XXXX   XXXX   office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I submitted my renewal application for updating my IBR for Fedloans Servicing. They did not contact me to notify that anything was missing. I 've called twice, once XX/XX/XXXX and a second time on XXXX XXXX ( spoke with XXXX from customer service ) and sent multiple online messages asking for clarification. XXXX stated that it would be processed by the following morning. Each person I spoke to on the phone said all materials were properly submitted and that they were just awaiting processing. I received a message on XXXX XXXX stating that materials were missing from the application and that if I do not make a payment on the full amount, they would report me to a credit agency. They outright lied to me on the phone twice about the materials and never responded to a single online message. The online process tried to force me into taking some of the limited number of forbearance days instead of actually processing the materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.

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 2022-05-05
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 is missing that should be on the report

Complaint:
Today is the last straw!!!!!! Today like I been doing for the last XXXX months called in to ask Equifax why are they not updating my information. I have spoken to XXXX XXXX on XX/XX/XXXX they told me they last reported on XX/XX/XXXX stating I have a XXXX XXXX  for a credit card limit of XXXX it has been that way since the card was paid off XX/XX/XXXX. The answer from equifax is send in a dispute every time I send in a dispute The dispute says resolved. When I call XXXX XXXXXXXX they say they have resolved the issue because on their end they are accurately reporting the information every month which is I do not owe. 
In return equifax startes well you have multiple account. When asking why do I have multiple accounts equifax replies we can not update your birthday we have a team that updates information and the logged it in wrong. We have to put in a ticket and it will take XXXX XXXX from today to be resolved from XX/XX/XXXX the lady also asked to put in another dispute I said no because you guys are not updating the information is it possible to speak to a manger rep hung up in my face and switched me to the survey after I had been on the phone for 1 almost 2. This is ridiculous I want my credit to report accurately on equifax like it is doing with my other credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 'm issuing a complaint to equifax credit bureau I need them to take off all of the hard inquiries from XXXX XXXX 2016 I did not give the auto loan place permission to run my credit report to a bunch of different banks I need equifax to take off the hard inquiry 's from XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I was the primary person on a loan with CitiMortgage. I moved away from the property in 2008, gave the property to the co-borrower. Co-borrow submitted loan modification paperwork back to CitiMortgage WITHOUT my signature and CitiMortgage locked me into a new 40 year loan and will not take my name off this loan. They claim it 's legal. My name is off the Quick Claim deed of the property.

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 2016-05-18
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX XXXX : I reached out to you & filed a complaint with the obudsman group for the following : When my loan switched servicers I was in the process of consolidation and was on forbearance. The consolidation completed but somehow in the switch it marked my loans before consolidation over XXXX days late, I have called in several times & sent letters because this negatively affects my credit score and was told they can not find where this is being reported though it is on all XXXX credit bureaus and i have sent copies to you. I have given up and accepted my lower score as a result of fedloans error. 
XXXX XXXX : I also called in over a year ago because I could n't afford my payment and I wanted to be put on a payment plan that counted towards forgiveness because I work for a non profit. I have been making sacrifices and paying the amount. 
XXXX XXXX : Recently, in my yearly statement the documentation showed that none of my payments counted toward forgiveness. I contacted fed loan and advised of the issue. I also advised I was facing undue hardship because of my XXXX a month payment. 
XXXX XXXX-Without my authorization/consent my XXXX XXXX payment of XXXX was deferred and now my XXXX XXXX payment was changed to XXXX and no one called/advised me. If I am having trouble paying XXXX How can I pay XXXX? XXXX is negatively impacting my credit and without legal authority from me, deferred & changed my payment. I can not afford this payment need these issues escalated and corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: Their investigation did not fix an error on your report

Complaint:
This is in reference to the prior complaint # XXXX, the credit reporting agencies are not following the guidelines on removing items and not replacing them. XXXX  XXXX XXXX  said they removed 2 late  payment from all the credit reporting agencies. XXXX  is the only one that only show 3 late payments which is correct but theses dates should be removed XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. 
On Experian Boost they are showing 5 late 30 days, which is incorrect. 4 late payments 60 days and that's not correct. Also on the Experian Boost report for XXXX, they have 4 late 30 days and 3 late 60 days, both are incorrect. Between Experian and XXXX XXXX XXXX, This should be corrected immediately. I only have 2 open accounts on my report not 6. Experian have XXXX on my report which is currently under bankruptcy. I have file a dispute several times for XXXX  / Experian to correct this.

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 2022-09-14
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:
XX/XX/2022 i wrote letters to the credit bureaus and they are giving me a hard time with removing incorrect information & unauthorized accounts and inquiries

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 2019-12-03
Company: EQUIFAX, INC.
State: WA
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:
Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XX/XX/XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX XXXX XXXX Credit card was opened on XX/XX/XXXX. XXXX $ was paid. By law after 7 years this account should not be on my credit report but it still is. I have disputed this item on XX/XX/XXXX but still no changes were made!

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 2020-04-09
Company: LEXISNEXIS
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:
Please delete this fraudulent bankruptcy from my lexis nexis credit report. This bankruptcy is unverifiable and under FCRA section 609 if a  bankruptcy can not be verified pit must be deleted. I have filed a police report, ftc complaint, attorney general office, XXXX  and XXXX   have removed the bankruptcy, but remains on lexis nexis. 

Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to case # XXXX. I have applied on behalf of my aged ( XXXX yrs. old ), ill mother to have Chase Bank reduce the interest rate on her mortgage loan XX/XX/XXXX. She is currently paying 7.85 %. The she is retired and on a limited retirement income. The house needs a new roof as the current roof is over 50 yrs. old and is leaking causing water damage to the structure. She is trying to save money to replace it. We supplied Chase with all of the required documents but they have continued to " sand bag '' us by taking their time and requiring each month that we supply additional bank statements, proof of residence, etc. We recently sent a copy of a utility bill ( water bill ) showing that my mother lives at this property. They are refusing to use the document. This has been going on since XX/XX/XXXX, 4 months now. My mother is getting very upset over this. She has made every payment on time since loan inception, XX/XX/XXXX. We need assistance from the Consumer Financial Protection Bureau in getting an answer from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Platinum Holdings Group, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continues to try and collect on loan i have paid off ... and now has sent it to a company named PAS who claims i owe it and also has threatened my work and also my landlord. For something i continue to tell them i dont owe and now they tell me the debt continues to grow and im charged for each time i they attemp to contact me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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 submitted a request to XXXX and XXXX to removed erronous credit error on my report. I subitted supporting documents on XX/XX/2022. As of this date the problem still exists and it took over thirty days to eespond which menas it was the the 30 days period from their investigation. Therefore, It must removed the error from my credit report. I received and have in my possession a notary document stated that this account was in error and that the vehicle in question was recalled by the manufacture. I submitted proof to XXXX XXXX XXXX back in XX/XX/2022 and 60 days later it still shows as an updated file. They have not done anything to my account even though I submitted proof that XXXX XXXX screwed up. According to California law, the vehicle XXXX purchase was in fact a lemon by California standards, plus the Manufacture admitted that it recall the vehicle and didnt have the parts to fix the vehicle as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2016-08-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted the XXXX about the debt ( {$75.00} ) in order to pay it off ( attempted 5 times and leaving voicemail ). They never called me back to verify debt or anything. So I take it as this debt is no longer liable by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted a written request to Equifax, asking them to remove the consumer statement I added seven years back. The company ( XXXX ), which I was disputing, is no longer disputing. This fact makes my old consumer statement irrelevant therefore incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: FISERV INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a phishing email impersonating XXXX along with a letter from TRS Recovery Services in XXXX, GA stating that they were collecting debt on XXXX  behalf. I contacted XXXX who told me it was a scam and they never tried to collect any debts from me. I'd like to report TRS Recovery Services to CFPB for their involvement.

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 2022-09-14
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I received a pay off quote on XX/XX/XXXX for my XXXX XXXX XXXX. I git approved for the XXXX payoff from my credit union. I.mailed the check off to them on Thursday XX/XX/XXXX. I called them all the following week and they kept saying they hadn't received the check. I finally demanded that someone reach out to the dept that the checks go to and pull my check and post it. They are trying to say I still owe money while they held the check up deliberately to get more interest in my opinion. The check is dated for XX/XX/XXXX, so the check is within the 10 day payoff quote. I need them to release my title and clear my loan

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: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and Transunion are incorrectly reporting me as an Authorized User on XXXX   XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2020-04-09
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 loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my 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 explanation