BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: Seterus, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Seterus. In XX/XX/XXXX we changed our house insurance. Currently, our insurance has now lapsed even though Seterus claims they paid it. XXXX has n't received payment. They have essentially refused to give us an accounting of the escrow account. The old company was paid and returned the check. I sent a {$2000.00} payment to Seterus labeled " FOR ESCROW ONLY!!! '' to restore the escrow to a positive balance due to what appears as over payments of insurance. They put those monies on the principal. ... As it stands our escrow is deficit, we have no house insurance and we can not get any facts on the account from them or from the online portal. The tax department says the winter taxes were paid. The escrow department says they were not. The last standing online records were from 2014. I suspect when we call in today they will not correct where the money was applied in the wrong place. This problem has been ongoing since XX/XX/XXXX. Again, we do n't have home owners insurance currently. We need help from an entity that this company is forced to recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had a bank account charged off with XXXX XXXX. Transworld Systems Inc. did not report to XXXX that I had paid in full/and or the complete disclosure of dates and/or amounts paid by me. It has been three years since I settled this matter and it is damaged my check reporting agency score all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an alert through XXXX XXXX that a collection had been placed on my credit. I have perfect credit and never paid a late pay in my whole credit history. The day I received the alert I called Central Financial Control XXXX Syndicated Office Systems and they could not pull up an account using my name, address, phone number or birthdate. I explained that are trying to collect a debt using the incorrect social security number. They requested I fax them my information to their Inquiry Resolution Center, which I did on XXXX/XXXX/2015. They said IF it was clear the debt was not mine, it would be removed. Several days later I get a new Alert stating Central Financial Control has opened a new account in my name. I called again and now they are saying I have to report this to the police. They continue to place collections on my account for the very same XXXX, to which I have never been, and I do not even live in the city XXXX. The entire situation was handled poorly. And they have ruined my credit. My XXXX score has dropped nearly XXXX points from this error. They are not helpful in resolving the issue. It is still not fixed. I have been going in circles for XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX - ( XXXX ) OPENED XXXX THIS ACCOUNT WAS ERRONEOUSLY DELETED FROM TRANSUNION & XXXX THIS BZNESS LOAN WAS FOR A SEMI TRUCK & WAS PAID ON 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 2015-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. Equifax and XXXX refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed my collections accounts with Equifax and XXXX. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: CASHCALL, INC.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This was a installment loan from XXXX { the XXXX XXXX XXXX XXXX XXXX } who days later transfered to Cash Call and than Month or two later transfered to XXXX services and after about a year transfered back to Cash Call..all through XXXX I have found out this is preditor loan with super high interest, illegal in Arizona and several other states in the US who are suing these companies ... I understand you { CFPB } also have a lawsuit against them. They have been sending me letters requesting different amounts to pay this loan off.This was an unfair, deceptive and abusive act and practice.Under statutes in Arizona any obligation to pay such loan is rendered void or otherwise nullified in whole or in part by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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

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 2017-03-04
Company: FIRST NATIONAL BANK OF OMAHA
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a serious problem with disconnects between credit scores. I recently obtained my fico scores from my fico. The scores reported were Equifax XXXX XXXX and XXXX XXXX. I thought these scores were n't great but the were high enough for me to qualify for a mortgage. Wrong. I find that they have a separate score foe mortgages that were about XXXX points LOWER than the scores given to me. How can this be? So here I am excited at the prospect of owning my home and I come to find out that probably will never be. Yes I have had some credit problems 6 years ago! I would like to know how these scores are derived. Something has to be amiss. I am a single mother and XXXX veteran and because of these faulty scores I ca n't even use my va loan benefit. It appears that this whole credit reporting thing is a scam. In the past 2 weeks I 've spent about {$100.00} to get faulty information. These people are not regulated properly and people with mistakes that the credit bureaus refuse to fix pay the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
COLLECTIONS Opened XX/XX/2015 {$300.00} that collection is not mine and was deleted on XXXX and XXXX but Equifax still posting on my credit report I had a phone conversation with Equifax customer service and they toldme will investigate but I did n't receive any information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Other

Complaint:
I had an account for many years with Bank of America ( revolving credit card # XXXX ) and always paid on time there is one late payment in the history which is not accurate. I have disputed this remark with no outcome. The late payment is reflected on XX/XX/XXXX. Please help I feel this is an error as I always pay my bills on 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 non-monetary relief
Consumer complaint received 2016-08-09
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Mortgage company is charging an OUTRAGOUS amount for PMI ( XXXX ) each month and will not remove the charge even though all requirements are met for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2017-01-10
Company: Navient Solutions, LLC.
State: NJ
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:
RE : Volume of Student Loans Service Provider report to the Credit Bureau per Student by Navient. 

Dear Sir/Madam : My name is XXXX. When I left college in XXXX I had XXXX loans on my credit report totaling approximately {$27000.00}. When I finished graduate school in XXXX I found XXXX loans on my credit report totaling approximately {$50000.00}. 

Currently, the student credit report is littered with student loans. Service providers have no guideline on this issue as indicated by the ombudsman office. Neither the federal government nor the private sector has any limit as to how many loans they can report for each student The current practice puts undue burden on the student, especially if they have other financial obligations. It creates credit barrier for poorer students and is unfair and discriminatory to students with not so good credit history etc. 

I have contacted service, the consumer financial protection agency, the FTC, the department of education and the ombudsman office on this matter with no success. I was told only congress can mandate any change to the way student loans are reported to the credit bureau. I recently contacted every member of the education committee with no response as of yet. 

I am kindly asking for your help in asking for the education committee to make a recommendation to Congress for adoption by the US Department of Education. 

The request is as follows : Federal Loans : Mandate that Service providers are required to report student loans by Loan Program such as Subsidized or Unsubsidized ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

Private Loans : Mandate that Service providers are required to report student loans by Interest Program such as Fixed or Variable ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

This does not prevent service providers from managing their contracts. It also presents fair and balance reporting without undue burden for the student. 

Thank you kindly XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has been notified to remove an " authorized user '' account that I was never liable for XXXX and refuses to do so. Also, the creditor in question ADDED an additional " auth user '' account on my credit, lowering my score even further. I never authorized anyone to add me as an authorized user, was never in possession of those cards, yet Equifax refuses to delete it off my credit bureau even though it clearly states " AUTHORIZED USER '' on the Equifax report. Obviously, I was NOT the account holder and this should be deleted immediately. XXXX honored my request, but Equifax did not even after several disputes. EQUIFAX EVEN ADDED A XXXX AUTH USER ACCOUNT further damaging my score. We have an urgent situation trying to find housing for XXXX XXXX kids ( XXXX ) and a XXXX citizen. Our XXXX family is large and we need to buy a house asap due to our lease expiring soon. This is causing a horrible burden to our family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: CT
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:
The account XXXX XXXX for the amount of {$3000.00} Account # XXXX is fraudulent and I filed a FTC report. Please remove this account from my credit. 
XXXX XXXX XXXX Permissible Purpose.

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 2015-12-28
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US bank foreclosed on my home. They had tried to foreclose once before but they did not have title so they had to rescind the foreclosure and start again.US bank did not have title, XXXX had title and so after my attorney pointed out their error ( and only after my attorney threatened more legal action ) US bank rescinded the foreclosure. I asked US Bank to prove that they had the original promissory note and to show that it had transferred into their hands legally but they did not prove it. The promissory note was signed in blank without dates or notary. I had to demand during discovery that they give me the MIN report which shows the record from the XXXX data base. I finally got the MIN report which showed that the loan had gone into a trust on one document but was US bank on another.If the loan went into a trust then US bank can not foreclose only the trust has that right. US Bank had tried this before as I stated but only rescinded due to threats from my attorney. The attorney for US bank claimed that the loan did not go into a trust. I did not have enough money to continue litigation with US bank so they were able to foreclose. They did not have the right to foreclose unless they own the note and title and can prove it. How can the loan have been held by US bank and also be in a trust? US bank did not prove that they had the note or that it did not go into a trust. Why does the MIN report show a different owner of the note? US bank has not been forthright. It took me dropping out of the litigation to even get the MIN report. You can see that the promissory notes were signed in blank. US bank only lets up view their sloppy records as they do not want to incriminate themselves.They will not even give you any proof of ownership of the note when demanded in discovery. How can they be allowed to foreclose without clear proof that they own the note and have title? US bank has the funds to hire top notch attorneys and keep us in litigation until we can not fight anymore. It should be their responsibility to prove that the note is original through chain of title, transfer of funds ( purchase of note ) or some authentication before they are allowed to foreclose. US bank was NOT cooperative. US Bank was very deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation