BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
An account was deleted because it was inaccurate and not verified. It has been re-added without notifying me and without proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I check my credit report with Experian regularly and there is a negative account on my report. I have disputed this with Experian but they say that they can not see this on their end but it comes up on my credit report and they have not fixed it. I always ask which account is negative and they can not provide me with an answer. Every time i dispute this with Experian they ask which account it is that i am disputing. I have no access to that information because on my report it only says that i have on negative account but it does not tell me which account is negative or by who. I am frustrated as i have been disputing this for more than 3 months already.

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 2015-10-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A mortgage that was terminated by a Deed-In-Lieu agreement with the credit union is being reported by Experian as a foreclosure. Additionally Experian is reporting that the deed was not received by the creditor until XXXX 2014 when in fact it was received in XXXX. Separately on the same report, Experian is reporting my home address as a commercial address adding a fraud warning about this. Several attempts have been made to have the information be reported correctly, including sending Experian a copy of the Deed-In-Lieu, however Experian refuses to remove the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my XXXX mortgage with XXXX for the past 10 years and have not had to pay a fee to make online payments. My loan was recently sold to Statebridge Company, LLC. XXXX charges a {$5.00} fee to make online payments. I called to inquire about having this fee waived and I was told that they are unable to waive it unless my Mortgage Note states that there is no fee to make payments. Being in the mortgage industry myself, I know that Mortgage Notes do not state such information. I would like the {$5.00} fee to make online mortgage payments waived indefinitely on my loan # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Investigation took more than 30 days

Complaint:
I had made multiples complained to during the past 3 years to XXXX, Transunion and XXXX about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. Thank you

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 2016-03-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a secured credit card with XXXX XXXX for several years and then I was issued an unsecured XXXX XXXX XXXX card. Since I had the unsecured card, I did n't feel it was necessary to have the secured account any longer and I requested that XXXX XXXX close the account. The account was always paid on time and I was never late. As soon as I requested the account to be closed, my credit score dropped tremendously. I am in the process of trying to qualify for a home loan and I think that is totally unfair for the credit bureaus to have that much control and could virtually cause an individual not to be able to purchase a home because they paid off and closed an account. Does n't make sense at all.

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 2016-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian keeps posting incorrect name and date of birth and this effects people looking at credit report. It makes it seems I use other identification and I have never used the information they use. See attached is copy of report shown and it shows XXXX XXXX XXXX and date of birth of XXXX/XXXX/1958. My name is XXXX XXXX XXXX with DOB XXXX/XXXX/1958. 
Three months of trying to get it corrected by them has been waste of time, they ignore all request to correct.

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 2017-01-24
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have fraudulent and unauthorized credit inquiries listed on my Experian credit report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017

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 2022-10-17
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2017 in the amount of {$110.00}. I have contacted them for years to have this removed and sent out letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XX/XX/2015 & XX/XX/2015 unauthorized inquiries were submitted to Experian. I have spoken to reps from experian advising that I did not authorize these transactions. The representatives advised I would need to wait 2 years for this information to fall off from my report. XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX XXXX XXXX : XX/XX/2015.

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 2016-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I first contacted Equifax XX/XX/2016 disputing inquires that I did not authorize. As of this date I have yet to have Equifax honor my request. I advised Equifax to please provide me a copy of the documents that were used during there investigation process so that I can verify its validity. Equuifax is knowingly and willingly using delay tactics to assiste me regarding this matter, Furthermore, Equifax if in violation of the FCRA. Equifax actions have negatively impacted my credit worthiness and credit score causing me great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 filed my complaint on XX/XX/22, XXXX XXXX XXXXXXXX responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION

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 2016-09-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to download a copy of my free credit report from Equifax, but all the identity verification questions were about accounts that were not mine so I was refused access. ( I was able to download a copy of the report from another provider. ) I let Equifax know that there 's something wrong with their identity verification algorithm, and they sent me a copy of my credit report along with a request to call their toll-free number. I called it, and got a recorded message saying that no one is available at the moment, and to call back between XXXX and XXXX. It 's XXXX : last time I checked that was between XXXX and XXXX! 
Seriously, these people have important information which is used in making credit decisions, but they do n't appear to even be trying to do a good job of making sure it 's correct and accessible to consumers themselves. So frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2017 in the amount of {$110.00}. I have contacted them for years to have this removed and sent out letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second complaint. My previous complaint involved the failure of Seterus to credit my mortgage payments for XX/XX/XXXX and XX/XX/XXXX. After you contacted them they corrected the issue. They stated the reason my payments were n't credited was because my account was flagged due to a pending loan modification and trial payment offer. I never requested a loan modification. However, they credited the account and sent me a statement reflecting my payments. They also sent me paperwork stating my loan modification offer was cancelled at my request. Great! I never requested a modification nor did I request it be cancelled. Since they credited my account appropriately I thought all was fine. Today, I attempted to log onto the website to make my payment and my login is redirected. The screen I am redirected to says, '' thank you for applying for hardship assistance '' and I am directed to complete paperwork for a modification. I have not requested hardship assistance and I believe it is less than honest to redirect the website upon login to make it look as though I have. To be clear, i do not want a modification and I am not requesting any hardship assistance. Today when I arrived home a package was waiting that stated Congratulations your modification has been approved. What modification?. This company is either really confused or they are playing games. Is this the modification that was cancelled at my request? If so, why is it now approved? I just want to make my payment and have it appropriately credited to my account without all of this nonsense. After the last issue was resolved in XX/XX/XXXX, I somehow ended up with a {$200.00} plus dollar over-payment sitting in my suspense account which is odd since I paid the amount my statement showed was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint with you ( the CFPB ) and my Servicer ( BSI FINANCIAL, AKA ; Servis One Inc ) no longer talks to me. BSI are very rude and tell me that since I have complaint to consumer Financial bureau, I have to speak to their attorney. They will not give me any status update. 

I Sent them a RSPA request and they have completely ignored it and refused to comply. I filed for a modification and they are not giving me any status update. They are pushing a foreclosure on XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Strategic Alliances, Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
First Financial in vestment fund is reporting a debt on my credit report per my lender who is refinancing my home. It 's actually preventing me from refinancing because it 's bringing down my score. I have called and they claim to not have my name on file, however they are n't helping me get the collection off my credit. I spoke to them las t Tuesday the  XX/XX/17  a nd they said my name is n't on file with them. I called them last month as well and then disputed with  XXXX . They answered the dispute and said I owe the money, but they wo n't allow me to pay the account. I do n't believe I owe this money and it 's frustrating that I call and they do n't have my information. My lender even contacted them with my permission and they could n't verify my information. They even had me send a letter authorizing my lender to verify the debt. Then they had my lender send a fax asking for more information and they have n't replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My credit has been damage due to this judgement remaining on my credit. I have disputed this claim of judgement with all bureaus of investigation. XXXX XXXX, did not remove or offer opportunity to remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX. This Student Loan was discharged XX/XX/2016 by the SSA due to my permanent XXXX. I am currently receiving XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My husband died XXXX XXXX, 2015. We had a savings account that we deposited our monthly accruals into because it paid a higher interest rate. After XXXX died I took a certified copy of his death certificate and the account was promptly put in my name since I was his POD. On XXXX XXXX, 2015 I successfully transferred {$50000.00} into my checking account to pay for his funeral expenses and XXXX quarterly taxes. I have also received XXXX statements showing myself as owner of the account. On XXXX XXXX, 2015 I tried to transfer {$5000.00} out of that account to pay bills. I no longer receive my husbands military pay or social security. I was denied access so I called customer service. I was told that the problem was " due to my internet browser ''. I called my local branch representative and was told that they " could n't find the signature card and needed to determine ownership ''. Shortly after XXXX fell XXXX XXXX I visited the bank in person as we were each others power of attorney and verified all accounts and that I was in fact his POD. My husband had set up a trust for me naming First National Bank as trustees. My attorney and I fired them for several reasons. I feel like they are punishing me for relieving them of their trustee duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'M NEEDING HELP WITH A CREDITOR ( XXXX XXXX XXXX XXXX XXXX. I FILED A CHAPTER XXXX AND IT WAS DISCHARGED ON XX/XX/XXXX2016. SINCE THAT DATE OF DISCHARGE, I HAVE HAD TO REAFFIRM IT THROUGH MY ATTORNEY. I HAVE SENT MILITARY STAR AND EQUIFAX BOTH TO DISPUTE IT AND EVERY TIME I GET IT BACK SAYING THE CREDITOR HAS VERIFIED THAT THE COMPANY IS SHOWING THE CORRECT STATUS CORRECTLY. I 'VE BEEN BACK AND FORTH WITH THIS SINCE XX/XX/XXXX2016 AND HAVE GOTTEN NOWHERE. I HAVE MADE OVER {$240.00} IN PAYMENT BACK TO XXXX AND I WANT IT TO SHOW ON MY CREDIT REPORT TO EQUIFAX FOR CREDIT REPORTING IN GOOD STANDING. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX TX XXXX IF XXXX AND XXXX ARE REPORTING THIS CORRECTLY AS A REAFFIRMATION ACCOUNT THEN I DO N'T KNOW WHAT THE PROBLEM IS WITH XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was transferred from XXXX XXXX XXXX to Seterus. After a few months with Seterus, the loan was modified to a XXXX year, 4 % loan, adding back the delinquent interest from the B of A loan. 
Since then, the extra principal payments have not been applied in a timely manner, and the interest charged has not been reduced by the extra principal payments. 
My amortization of the loan shows that we should owe {$12000.00} less than Seterus shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I have just recently started using the app Experian and I filed a report when I noticed that a credit card had been opened under my name at a retail store which was not done by me. I started a dispute but it did nothing nor did it explain anything. Now I have all of these charges on my credit report that dont belong to me and are affecting my credit score, etc. I found out that my grandmother attached me to her account to get more credit available for the card which I did not approve of and would like for it to all go onto hers and not mine.

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 2016-01-18
Company: Midwest Recovery Systems
State: AR
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has placed an account in collections in 2015 for a payday loan from XXXX. It 's been over 7 years so it should no longer be reported on my credit not that it was just placed for collection so that it will fall off my credit in XXXX. I have not received any written communication from these shady people either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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 a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX XXXX The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.

Company response to consumer: Closed with explanation