BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2023-04-27
Company: SANTANDER HOLDINGS USA, INC.
State: SC
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 disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the Santander account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and Santander Consumer USA, XXXX, XXXX, and XXXX have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from Santander XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with 724 monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from Santander XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by XXXX another inaccurate reporting is the XXXX XXXX Bank account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Sequium Asset Solutions, LLC
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: Information belongs to someone else

Complaint:
Received a notice from Sequium Asset Solutions , LLC of a debt owed to XXXX XXXX XXXX XXXX at least 2 years after leaving XXXX XXXX XXXX. Never received notice of any money owed to XXXX XXXX XXXX. Thought it was a scam until the collection showed up on credit report without sufficient information on Credit Report or from Debt Collection Agency to prove the debt as valid. Paid the agency to get the collection taken off my credit report since it negatively affected my score, but noticed from XXXX search that unknown XXXX XXXX XXXX XXXX changes have been found to be fraud. Please look into this matter and let me know if my identity has been compromised. I have been with XXXX and do not know what XXXX XXXX XXXX XXXX does. Either XXXX XXXX XXXX is incompetent in notifying previous customers of a past due amount, or someone has stolen my identity and has used this XXXX XXXX XXXX XXXX ( whatever it is ) with my SSN to get some charges for who knows what on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I hold a mortgage with U.S. Bank Home Mortgage on XXXX XX/XX/2022 was a payment that was posted on my account for a total amount of {$7000.00}. {$1600.00} went towards my monthly payment and {$5300.00} when to my principal. In the Month of XXXX, I attempted to make a payment online but payment would not process so I called US Bank to make my monthly payment that's when I found out about a payment that was posted but not from me at the time I had applied for mortgage assistance through the State of Florida so I believe it comes from the program but was not sure so I ask U.S. Bank and was told that they can not disclose that information after my request. In the month of XXXX, the payment was reversed without notifying me and was needed to make up the remaining balance of {$4900.00} the only option was to force me into forbearance due to a mistake from my mortgage company that I'm still paying for its affected my credit and loan modification. I need it fixed. and it forced me to modify my loan now my payment is higher... I need my credit fixed and my mortgage lowered.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am emotionally distraught and outraged by the presence of these derogatory marks on my credit report. I have worked hard to maintain a good credit score and this negative information is unjust and unwarranted. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information on a credit report is accurate and up-to-date. However, the information on my credit report is not accurate and I am requesting that it be corrected. 

I request that you investigate the accounts listed above and provide me with documentation to support the negative information reported. If you can not provide such documentation, I demand that you remove the negative marks from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-06-09
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The following car loan company is of my complaint. 
Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX My account # at XXXX is XXXX XXXX XXXX XXXX XXXX XXXX 
filled out form on the phone with XXXX for a deferment on XX/XX/XXXX after confirming the following payment with him as he spoke with me earlier that after that payment I would be qualified for a deferment Thank you for your one-time Bridgecrest payment made on XX/XX/XXXX using Confirmation XXXX Payment date : XX/XX/XXXX Payment amount : {$340.00} Service fee : {$3.00} Total amount charged : {$340.00} Payment status : ACCEPTED Account number : XXXX Payment method : Debit Card XXXX I was told that I would receive via email a docusign or in the mail. 
2. I called customer service after a week or so and was told someting entirely different : " You must go online to receive docusign. '' I then did not see it there. 
3. I called XX/XX/XXXX to ask what happened, was not given information. 
4. Called XX/XX/XXXX was told it was because of a discrepancy of {$9.00}. Oh so I was told to pay it and reapply. 
5. I paid the following amount Dear XXXX Confirmation number : XXXX Payment date : XX/XX/XXXX Payment amount : {$10.00} Service fee : {$3.00} Total amount charged : {$14.00} Payment status : ACCEPTED 6. Calling to fill out deferment on Friday XX/XX/XXXX I was told the agen could not hear me properly so I told her I will call back in hour. 
7. IN one hour another agent this time a female with the same name as the male agent XXXX said it was too late filll out form and that repo time was next week. 
8. Called again to get yet another agent named XXXX a male, told me I was not able to even apply now had the wrong information about how many payments I made so I simply said I wil report to government agencies of the situation, and that it was not only a setup by lack of information and status but fraud on the part of not helping a consumer with the true information needed. 

This company has other complaints similar and several lawsuits in action that they play XXXX and give false information and isnturctions in order to set up the car owner with a repossession. 
I have health issues and am over the age of XXXX and this is too much for me and my vehicle is essential for my work and eating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were paying approximately {$4000.00} per month on our first loan modification for 2 years. When this ended our mortgage went up to {$8500.00}, we called Mr. Copper and they advised us that we are eligible for a 2nd loan modification. They asked me for lots of documents which i was submitted to them in a timely matter. I was then informed via mail that they were putting me on a Trial/Workout payment plan and had to make 3 payments of {$7300.00} By XXXX XXXX, XXXX XXXX, and XXXX XXXX. And after they would qualify me for a permanent loan modification. I called a few times trying to get a explanation to what these payments are for but no one at Mr. Copper was able to give me an valid explanation. They all informed me that these were test payments to see if were able to make the payments on time. I do n't even understand the language/vocabulary of the documents that they sent me. I already sent in the first payment but i 'm having my doubts. I got another notice in the mail from Mr. Copper stating that my monthly mortgage will go up to {$9100.00} as of XXXX XXXX. So as of now i do not understand what is going on with my loan modification. I get new mail every week with new information and just want a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 debt is from a secure XXXX XXXX credit card I had with when I was XXXX  years old. It is the only credit card Ive ever had, and I have not owned one since. This debt is almost 10 years old. I have never paid them on it and I have never offered to pay on it. If you look at the date the debt was renewed, it was conveniently reopened when it was about to drop off almost 4 years ago. Why would I suddenly offer to pay them a {$300.00} debt that Id had for years and would have fallen off? They have kept this on my credit and reopened it past the time it should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2021-06-19
Company: Eagle Financial Services, Inc.
State: OH
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:
Back in XX/XX/2015 I opened an Eagle Loan of Ohio account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay Eagle loan and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though Eagle never responds to my direct validation requests?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My Experian and XXXX credit report is showing for the last XXXX years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear XXXX months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.

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 2023-04-27
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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-06-19
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We started for Forbearance process in XXXX of XXXX. Mr. Cooper did not start the process till XXXX which caused us default loan by 30 days. The era was on Mr. Cooper 's side they have repeatedly told us they would fix it and take off the 30 days late and they have not done that to date.

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

Complaint:
In XXXX I enrolled in college and obtained few federally backed student loans to pay for my education. I XXXX in XXXX & did not have to start paying back my loans until XXXX when my XXXX XXXX grace period ends. Since then I have been enrolled in a forbearance plan due to my limited income. In XXXX I forgot to renew my forbearance and my loans went into default with US Department of Education, afterwards I rehabbed them and am currently in forbearance due to covid-19 cares act, I was assigned a new servicer XXXX. I am in the process of purchasing a home for my family & my mortgage lender can not qualify me for the loan because on Equifax it shows that my student loan with Us Department of Education & is in collections, it also shows the same balance as my rehabbed student loan with XXXX, which is hurting my purchasing power as well due to debt to income. Essentially its a inaccurate duplicate I have done some searching on XXXX and thats why this is my last attempt to fix this problem. I found that federal law mandates removal Of rehabbed student loans 34 CF 682.405 ( B ) ( 3 ). I have sent letters to Equifax and Department of Education to fix this issue & Equifax refuses to fix the issue. 

I do not know what else to do, my lease on my apartment is ending soon and I cant imagine being homeless with my family. I have attached screenshots of my credit report as well as proof from studentaid.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CCS Financial Services, 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:
On XX/XX/2022 CCS COLLECTIONS add a derogatory mark on my credit report per XXXX. Upon further research, This account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation