BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have 2 open paid perfect XXXX XXXX auto leases. XXXX XXXX has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. Transunion says their system records the lack of repOrting as a serious delinquency. XXXX XXXX was absolutely no help and Transunion wasn't much help either. I don't understand how XXXX XXXX can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.

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 2018-07-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loan was purchased by XXXX from XXXX. Without telling me, they changed my auto debit minimum payment due to more than triple the amount I had been payint, from {$310.00} to {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We are U.S. Military Veterans and previously changed Homeowners Insurance Companies from XXXX to XXXX XXXX in XX/XX/XXXX and the new HOA Premium amount and policy was sent into the Roundpoint Mortgage Insurance Department on XX/XX/XXXX. Also, we requested a new Escrow amount be calculated to lower our payments from {$4900.00} since the new HOA Insurance Premimum has been reduced to approx. {$1800.00} vs. {$4000.00} and have requested repeatedly to have this information reviewed. Also, an XXXX Representative called Roundpoint Mortgage on in XX/XX/XXXX as well and spoke to a Representative in the Roundpoint Insurance Dept and she duly noted the account and the XXXX Representative again faxed over the information to the Insurance department and the receipt of the information was confirmed. However, Roundpoint Mortgage is llegally causing an undue financial burden to our family by not adjusting the escrow amount to lower our monthly payment. 

Also, the assigned reperesentative - XXXX -for the Loan Modification process is very rude and abrupt when I had to repeatedly request her to explain what the Stop-Gap process was and believe they are not being very transparent on which program are actually available to Veterans while waiting for the Loan Modfication Process to be completed. Also, I believe they are unnecessarily causing a longated process to complete the modification request. It is very undue and their business practices towards VA Homeowners is very alarming! We should not have to go through this much red tape to request a loan modification. There was much impatience exhibited by my assigned representative XXXX XXXX. I also requested if she could help me get the insurance situation resolved with their department and she initially stated she could, but then reversed and told me she could not transfer me and to call back to the Insurance Dept. This is ridiculous, very non-proactive and this causing more financial burden to my family as well because the representative is not going the extra mile to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.

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 2020-08-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is for a XXXX XXXX account that I do not have any knowledge of. I've contacted them on numerous occasions over the years to have this account deleted. I've provided vehicle and address proof in which they could not locate my file. It was placed in 2015 and I provided a list of the vehicles I've owned during that time period. Please help to get this situation resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I did not file for chapter XXXX bankruptcy. It has already been deleted from XXXX. Please delete 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 explanation
Consumer complaint received 2018-02-26
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am now {$20000.00} in the rears with my mortgage with Ditech i have been behind since XXXX.. I had XXXX XXXX in XXXX.I lost my Job of 10 years because of losing time from work. That is how i became behide. I now I am able to pay my mortgage and have submitted a Modification 2 time. Both time they were denied with Ditech. The reason that they denied me is because of the programs that they have to follow. This is where the problem comes in. I have attached the 2 denials for your review. What i have a problem with is that being that i am a Certified XXXX XXXX myself I have seen the Modifications that lenders offer clients.My interest rate is 6.75 % and has been so since 2004 rates are much lower now. Most modification that I have seen come across my desk have lowered the rate to 2 % 3 % so that the # s would work. I have since them also give a Balloon Payment of 15 years. This would give the mortgagor time to get on their feet. This option was not offered to me. I know that this option is available but the lender is not trying ever possible option to keep me in my home. Again my rates in 6.75 %

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Motolease, LLC
State: GA
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:
The missed and late payments were removed and then appeared back. I talked to XXXX and they advised me that the creditor ( Motolease put it back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BMW Financial Services NA, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX 2021, I agreed to lease a vehicle through XXXX XXXX of XXXX GA where I authorized the dealership to pull my credit report for the purposes of fulfilling the lease agreement. The dealership had several issues with completing their end of the lease agreement and supplying a vehicle that was contractually agreed to. When they were unable to fulfill their end of the agreement with an existing vehicle, they had to order a new vehicle from the factory. Once the new vehicle was on the lot, I was preparing to go exchange vehicles and I received an alert that my credit report had been pulled again, this time WITHOUT my written or expressed consent. This happened today ( XXXX XXXX ). This is improper use and unauthorized access to my credit file. I explicitly expressed my concerns to the dealership and have received no response as of yet. I have notified them that I was filing an official complaint with the CFPB for this unlawful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not file for chapter XXXX bankruptcy. It has already been deleted from XXXX. Please delete 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 explanation
Consumer complaint received 2018-04-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving REPEATED calls from different numbers from the same company, each time I blocked the number, they would call from a different number for roughly the last 10 days now 3 or 4 calls a day, no messages were left until last night @ XXXX. I received a lengthy message for someone that does not reside at my house. 
The lady on the message stated that if the customer ( by name ) did not return her call by XXXX this day she would assume that they were ignoring their repeated attempts to contact them and would seek the 'NEXT STEPS '. I still have the message saved in my voice mail.

I called the number XXXX XXXX left in the message and explained that I did not appreciate the repeated calls to my number with NO MESSAGES left, That her message was the one and only I had received and the person she was looking for does not even live at this address and her message was in Violation of the Fair Debt Collection Practices and XXXX  Privacy Notice. She said she was sorry but this was the number provided, I stated maybe she should have verified the number or verified who she was speaking with before she left all the information on my VM. 
That if anyone had left a message prior to her, I would have called sooner and let them know that who they were looking did not live here. I told her to remove my number from her records, that I do not have any business or accounts with them and I would be filing a complaint with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Toyota is inaccurately reporting on my credit report.I have contacted the Credit Reporting agencies and Toyota continues to report. See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Disputed inaccurate information being reported on XXXX by wells Fargo. sent letter to wells Fargo XXXX said they needed more information to verify account. at that time they where reporting 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX with no 30 days late before that. after they first dispute they changed the months to 60 days late in XX/XX/XXXX and 90 days late XX/XX/XXXX again with no 30 days late before the 60 days. they made the change in XXXX Sent in A second dispute letter with drivers license full account number same as first letter. this time i did not receive a response back, but the again changed the report with XXXX to 60 days late in XXXX and 90 days late in XXXX with no 30 days late before the 60. still not correct it to 30 60 days late which is what they are reporting to XXXX  and XXXX they changed the info in XXXX. 

I received an email from wells Fargo stating XX/XX/XXXX that they are reporting correctly but the next paragraph down says they found inconsistent reporting. also received the letter from the second dispute saying that they are reporting accurately. But yet they are not. They in violation of the FCRA rules by reporting inaccurate information. XXXX failed to do their job as i disputed this with them should have been deleted at that point. all I wanted was for it to be corrected. now it needs to go away.

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 2021-02-21
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
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: Public record information inaccurate

Complaint:
I contacted Equifax to remove a Chapter XXXX bankruptcy from my husband and my credit. his have been almost 10 years and mine 8 yrs. They're saying the law states they can't do anything about it. I contacted XXXX and XXXX and they both removed them a year or so ago. So, how is it they can't if the other two did. We filed bk due to the economy and had to close our business. We're back on track and pay our bills on time. We are trying to adopt a couple of children and purchase a home and this is really impacting both of us. Please, Please, Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Cadence Bank
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with corporate customer service with BancorpSouth during XX/XX/XXXX and XX/XX/XXXX.  They refuse to follow guidelines clearly outlined in the FHA handbook regarding our FHA loan. 

BancorpSouth refuses to follow guidelines from the FHA handbook on our mortgage. 
Page 591 of the FHA Handbook 4000.1 allows banks to drop the PMI premium at the borrower 's request. We have requested this a number of times but BancorpSouth reports that if they do it for us they'd have to " do it for everyone. '' I spoke with a number of people up there including XXXX XXXX who is their customer service manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Creditors Bureau Associates
State: TX
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 have sent in two police reports and 3 other cfpb complaints. This account is fraudulent, my name was used for identity theft. I have also sent in several FTC identity theft reports since XXXX of last year. This company had deleted this multiple times and then reports it back to my credit. I need this PERMANENTLY deleted from all 3 bureaus and never reported again. This is defamation and negligence and I have tried to give the company a chance to fix this before I pursue legal matters. My name was used in an identity theft crime. The police are searching for the perpetrator. This needs to be deleted from my credit permanently and never reported again. I called in and spoke to a collection manager and she was helpful to saying the would work on this matter. But it has yet to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report 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 explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.

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 2018-02-26
Company: Debt Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Debt Recovery Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX will have to pay my lawyer fees and for the lie detector test result I present in court

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