BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I have been working with my Servicer and requested to be reviewed for a loan modification. They advised of the instructions to submit and all the documents were provided on XX/XX/17.  When i called yesterday to confirm they received them, they are now telling me they will not review them due to the foreclosure sale date. I advised them that if they would not honor a modification review that they at least consider more time to allow me to qualify for a Reverse Mortgage. They said that they are not willing to do anything to postpone the foreclosure sale date. I just dont understand why they are not willing to help me. I am elderly and have worked very hard to have the home I have today but due to unfortunate set of circumstances my mortgage fell behind. I really need your help to allow me more time, to at least continue to push forward for this Reverse Mortgage. Thank you for your time and consideration.

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 2022-07-21
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:
I have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score XXXX points without a change but they seem to be passive aggressively ignore my disputes

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 2016-12-13
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is more of dispute than a complaint, but still is a matter pertaining to the amount paid and the current outstanding balance noted for my student loans. Navient, my current student loan servicer, does not have a dispute submission channel available and I believe this matter is beyond the scope of a normal escalation. I graduated with my XXXX XXXX XXXX in XXXX XXXX and have made all of my payments since graduation prior to the Due Date noted on each statement beginning with my first student loan payment on XXXX/XXXX/XXXX. My student loans have not always been held by the same servicing company. My first payments were made directly to the Department of Education, then the loans were serviced by XXXX XXXX, and most recently the loans have transferred to a different company called Navient. Navient 's customer portal is the first loan servicing company that has allowed me to see the entire transaction history for my account. Prior to this full history display I was only given statements itemizing what was due for the next immediate Due Date and was not provided with any information as to how payments were applied to principal and interest throughout the repayment process. The first payments I made were as follows : XXXX/XXXX/XXXX for {$500.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$350.00}, XXXX/XXXX/XXXX for {$1000.00}, XXXX/XXXX/XXXX for {$200.00}, and XXXX/XXXX/XXXX for {$1000.00}. These initial payments all total {$4600.00}. None of these payments are reflected in the entire history of my account despite all of these payments were made to the Department of Education directly. The lack of inclusion of these payments would then impact subsequent interest accrual as well as the remaining balance still due and loan maturity date/payoff date. I can provide bank statements as well as email confirmations from the respective loan servicing companies to account for the missing payments. I would like my account to be reviewed and corrected to show the proper balance as well as reflect ALL payments made to date. Through today ( XXXX/XXXX/XXXX ) I have paid {$10000.00} and the balance on my current outstanding balance is incorrectly noted on the Navient portal as {$10000.00}. 

In addition to this large payment discrepancy there are XXXX ( XXXX ) transactions that were all noted in the account history between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as " adjustments/fees. '' I was not notified of these fees and as my loan repayment history and credit report would indicate, I have never missed a payment to-date and would also like these fee assessments reviewed. If they were applied in error, I 'd like them removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
XXXX XXXX. 
I hope all is well. 
Please note that I have been trying to verify and validate the accounts listed on my credit report since XX/XX/2022. 
There is no information about the creditor, yet it is still being reported monthly to my report. 
These XXXX medical accounts are being reported to Equifax and XXXX only and are set to fall off next year. 
I've had full XXXX coverage for the last XXXX years and checked to see if anything is owed since this charge has been on my report. There is nothing that is owed to any medical establishment/hospital. These bills are so low ( {$100.00} and {$270.00} ). See attached, it would make sense to just pay them but again there is no information on the creditor. Can this please be removed from XXXX and Equifax. 
Thank you and have a wonderful day. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Roadrunner Account Services, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is a motorcycle that my x boyfriend that didn't have the credit at the time, got his friend to put the loan in his name. Now my x boyfriend has XXXX his job and couldn't make the payments and I don't know how they got my business phone number but they won't stop harassing me over this. EVERY SINGLE DAY! When I've had nothing to do with this my name is not on this loan. I want them to leave me alone. Even if I block them they call from a different phone number. I don't need them calling my business phone line. Please make them stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX my idenity was compromised. As a result the fraudulent accounts listed below were opened in my name. The accounts listed below are currently reporting on my Experian credit file. I demand that Experian immediately remove the list of accounts below from my credit file. This is a violation of FCRA. If not, I will pursue further legal action.

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 2021-11-18
Company: EQUIFAX, INC.
State: NY
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 attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Professional Service Bureau
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX 2017 approx 3000 dollars I did not receive anything in the mail from this debt collector, even though they told me I did. I believe they lied about this as they had my address. I asked if they would send me another letter with more information to verify my account and they said no. Then they proceeded to threaten to put my bill into collections if the balance hasnt been paid in 10 months and refused to work with me on a reasonable payment plan. I feel that they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Since the beginning of XXXX, Comenity Bank ( for XXXX XXXX XXXX ) has been reporting my " available credit '' as being only {$350.00} even though I have a XXXX balance on my account with NO PENDING orders or BACK-ORDERS. I have repeatedly called Comenity and XXXX to get this matter resolved and they keep passing the buck back and forth and they refuse to get this simple clerical/math problem resolved. 

When creditors check my credit and they are reporting that I have only {$350.00} available credit on my {$900.00} credit limit, they view me as being " credit irresponsible '' for having such an " outstanding balance '' on my account. It's simply not right, and the claim there is nothing they can do to correct it. Several times Comenity reset my available credit, but the next day -- it goes back to the measly {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I did use payment system from my banks to pay for my credit at XXXX, then my banks show they delivery check to the XXXX on XXXX/XXXX/XXXX 2 days before my due then on my new statement the company charge me XXXX dollars for late fee this not the first time they did that and they keep do that since XXXX and every month they did that, I call them and they wait for this month but nexth month they go up the charge almost double money.

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 monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. 
The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.

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 2015-07-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We noticed on our monthly mortgage statement a charge for " repair '' for {$200.00} XX/XX/XXXX. We inquired about this fee XX/XX/XXXX, and were told it was for Code Enforcement. We have never received any communication from Code Enforcement, so we requested a receipt or invoice of what was paid to be sent to us. We called Code Enforcement, and they had no such record. A week or so later, we never received the invoice. Today, XX/XX/XXXX, we called back to inquire on this charge, and after spending an hour and a half on the phone being bounced around their system, we finally spoke to XXXX at x XXXX. XXXX was less than helpful, but did say the fee was charged to file with the county that the house was vacant? I am not sure why something like this would be filed ; we have lived in our home, continuously, for just over eight years. Green Tree refuses to refund the payment, and is forcing us to pay this bogus fee, or else we are subject to their deceptive collection practices of late fees and the like. 

In addition, we paid them, accidentally, twice in XX/XX/XXXX due to the change in payment - since our bill pay feature was incorrect. So, in XX/XX/XXXX we paid twice the required amount. Now, Green Tree refuses to apply the second payment toward our XX/XX/XXXX bill, again, giving rise to the possibility of additional fees. 

Lastly, we applied for a second mortgage modification XX/XX/XXXX, given our XXXX mortgage was already modified. We received an IRS form XXXX for the relief of the XXXX mortgage balance to file with XX/XX/XXXX taxes, to this day ; we have not received any disposition other than the IRS for from Green Tree. We have spent hours on this matter to no avail. Each time we call, roughly once a month, we leave our names and numbers but do not ever hear back. This service is poor at best and illegal at worst. Please help us right our mortgage account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a car in the summer of 2015 financed through Santander Consumer USA. Santander reported a charge off to my credit report even though I still maintain possession of the vehicle and the account is current. They refuse to redact the charge off and negative reporting from my credit or even refuse to report the account in good standing and the on time payments i 'm making. Sounds predatory to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I am complaining about the deferred interest that 's been added to my care credit account. My fist charges was in XXXX XXXX amounting to {$2500.00} for dental procedure and promotional end XX/XX/XXXX. I have another charges for cosmetic procedure XX/XX/XXXX. I have been paying {$100.00} from XXXX XXXX every month, then in XX/XX/XXXX paid {$270.00}, XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00}, total of {$2600.00} by the end of XXXX XXXX which covers the {$2500.00}. I talked to the their customer service because they were adding the deferred interest of {$1000.00} for not paying the balance. I told them that I was expecting that all the payments I made will apply to the first charges first, the bill did not specify the amount that will apply to the first charges and the second charges. I spoke to them in XXXX XXXX, XXXX if they can waive the deferred interest because of the misunderstanding and they said if I will make a payment of {$1800.00} and did not tell me when the latest I can pay that amount. I tried to borrow money from relatives and deposit the check but did not clear until XXXX XXXX, XXXX. I called care credit customer service again last week XXXX XXXX, XXXX so I can make payment but they said they can not waive the deferred interest anymore because it past 30 days grace period which they said is XXXX XXXX, XXXX. They did not tell me that when they are collecting {$1800.00} from me in XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2019 I mailed a factual dispute to Equifax anticipating incorrect information on my report to be corrected or removed. I was received by Equifax on XX/XX/2019 via certified mail with USPS tracking number XXXX XXXX XXXX XXXX XXXX. Equifax exceeded the allowed time frame to investigate the matter and began to review the case on XX/XX/2019, a full month later. That investigation also exceeded the allowed time frame of 30 days. The confirmation for the case is # XXXX. According to Equifax, the investigation should have been concluded on about XX/XX/2019. However, by XX/XX/2019, still no conclusion or results to the investigation. I called in to speak with someone assuming there was a mailed out dispute result and I was told that no decision had yet been reached, and at that moment I made a complaint with the Equifax about my violations under the FCRA. Equifax has exceeded the allowed time to investigate the accounts and per the FCRA anything that can not be verified must be deleted permanently from the consumers file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: AL
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:
in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( Experian, XXXX and XXXX XXXX about XXXX XXXX XXXX ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX on XX/XX/2019 was not able to verify and remove the account from my report but experian and XXXX claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!

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 2019-12-17
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE

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