BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-07
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been trying to do a short sale on our home for quite awhile now. Originally the short sale was countered by XXXX XXXX XXXX with no requests for contribution and the Investor previously did not asked for a promissory note. The loan servicing was transferred to Seterus and now the Servicer is asking for a promissory note for an additional XXXX which supersede the amount owed on the First Mortgage. The purchase price is XXXX, the balance owed on the First mortgage is XXXX plus late fees and attorney fees. The Servicer/lender has not paid the property 2014 taxes which they are obligated to do as per their servicing agreement and they also refused to pay the FULL back HOA dues. This request for a promissory note seems to be a common thing from Seterus on short sales. Please review their prior closed short sale files for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but XXXX XXXX never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and XXXX payment of {$400.00} ) - I was unable to make payments during the height of COVID. 

XXXX XXXX moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, XXXX XXXX reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, XXXX XXXX garnished an additional {$860.00} from my wages, under the same case number for Jefferson Capital XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid XXXX XXXX {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by XXXX XXXX ). 

After speaking with XXXX XXXX XXXX XXXX XXXX, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and XXXX removed the accounts. I sent the results to the XXXX and Transunion but the continue to say the information is correct. My question was if XXXX found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. XXXX then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXXXXXX XXXX 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 XXXXXXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A

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 2016-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX inquiries for a single loan. XXXX from XXXX and XXXX for XXXX. I did not authorize multiple credit report to be issued for the purchase of my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 around XXXX EST. I sent the wrong cash app money and it was a large amount of money which was also the wrong amount of money. I instantly tried to cancel it and I could not. Me and the person whom I thought I sent the money to tried to figure out why he did not See it In his account to even be able to send me the money back. I XXXX cash app but they Ended up being scammers. They locked us out of our cash app accounts. I went to file a police report for help, the detective found the actual cash app support email for me contact them. Cash app told me they can not help me because I initiated the payment, even though I told them it was an accident, the cash app customer service lady told me that she could see the account I sent the money to, and that the money was still in the account and I could not get It back even though it was an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting inaccurate information on my credit report that is a violation of the Fair Credit Reporting Act. 

I disputed XXXX XXXX XXXX XXXX accounts on my credit report, XXXX and XXXX and the accounts were never marked as in dispute. This is a huge violation of the Fair Credit Report Act where I can be entitled to {$1000.00} for each violation. Please delete XXXX of these accounts from my credit report. 

Another big problem is that Equifax continues to report XXXX Chapter XXXX bankruptcies on my credit report which is a huge mistake. How can that be possible? Chapter XXXX Bankruptcy with docket number XXXX states it was dismissed so why is it reporting on my credit report? 

In regards to Chapter XXXX Bankruptcy docket number XXXX, they are listing the asset amount and exempt amount as {$0.00}. That is so incorrect. How can they get away with reporting this inaccurate information when I have disputed it multiple times with them? 

Now for the biggest violation of all. 

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1200.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX, XXXX Balance : {$5700.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1500.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$5600.00} All XXXX of these judgments need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Trans Union verbally told me on XXXX/XXXX/16 that I have an outstanding debt to XXXX, who reported to me on the same date that my account is current. Trans Union refused to provide me with written documentation in understandable form, stating that the previously reported ( XXXX, 2016 ) error in their records has been cleared up and should show no balance due. This problem began with XXXX XXXX XXXX sending my statements to a non-existent address and failed to contact me by phone when payments were not received.

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 2016-12-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Chase Bank. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: American Credit Acceptance, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. XXXX. XXXX XX/XX/XXXX XXXX Approx XXXX miles {$9200.00} Purchased XX/XX/XXXX I put {$1000.00} to lessen the blow. XXXX puts XXXX in good condition XXXX {$2600.00}. I was essentially upside down before I got out the door. 
Original financing was done by XXXX. Always had trouble getting through to them via phone if I needed anything. Had my payments directly ACH from my account. My payments were {$260.00} per month. This is like payday loan type interest/terms. 
I moved in XX/XX/XXXX. So my rent increased since before I had a roommate, and now in a one bedroom on my own. I changed jobs in XX/XX/XXXX with slightly better income but the increased living expense pretty much negated that. 
In XX/XX/XXXX did some paperwork to change my payment from Bi weekly to monthly but apparently XXXX never did this. On XX/XX/XXXX a regular bi weekly payment was not taken out as usual. 
A week later I got a packet from a company called American Credit Acceptance. They had taken over my loan. I had no previous warning from XXXX that this would be happening. I was not notified about American Credit acceptance until a week AFTER XX/XX/XXXX 
I do not feel they should be able to do this ( just take over my loan ) without any prior notification. I never signed any paperwork or agreed to anything with American Credit Acceptance. They specifically state there is no opportunity to " negotiate '' the terms of the loan. I have made my payments to American Credit Acceptance so far. 
However, I am struggling with this amount and the ever rising cost of living here in the XXXX XXXX. I am stuck with a car that needs major work I can not afford ( the original " warranty '' was worthless ) due to the high payments. It is old and high mileage. 
I feel that all XXXX companies involved - XXXX, XXXX and American Credit Acceptance use predatory sub prime lending tactics similar and hurt the those who can ( literally ) least afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted Experian about incorrect payment history for my XXXX XXXX account, which listed a 30 day late payment for XXXX 2016. I disputed this information as being incorrect and even offered to provide documentation to show that payments have never been missed and that this is an error with their system or with XXXX XXXX however it needed to be fixed. I just received the dispute results that indicate that Experian somehow verified this information to be correct however I just got off the phone with XXXX XXXX and they confirmed that there should be no lates in the system and that they did n't verify this information to be correct. Not sure what is going here but it needs to be fixed immediately.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation does n't have a check box above to best describe my problem. I will have to explain it this way to you if you do n't mind. I have XXXX account on my TransUnion credit report that are outdated. They are seven years old and someone re-aged the debt as well That is against the Fair Credit Reporting Act you ca n't re-aged old debts. The accounts goes as followed : XXXX Account # XXXX this account was open XXXX This account was open in XXXX and re-open in the XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX If you look at the credit report open dates you see two dates one at the top and another one right under it.

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 2015-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to verizon years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing the derog reporting on my credit report. I do not have nor did I apply with the 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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my account on XXXX XXXX and all my inquires were deleted and now I just checked it again and they are all back on.

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 2016-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from Experian and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Experian and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Experian continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my 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 2017-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Update to prior complaint, as I have received a written response from Experian. Prior scanned correspondence has been submitted to you regarding this, and additional scans are being provided now. A total of XXXX re-aged alleged missed payments remain on my credit report. My request for copies of my original, signed consumer disclosure statements with documented payment history for these student loans has been ignored. Experian 's response does not even address that I requested written proof of their investigation, as shown in my original handwritten and notarized letter with proof of mailing already submitted to your office. I requested these for the purpose of establishing that debt re-aging had occurred numerous times in my credit file. I requested either written verification and proof of payment history, or in the absence of this, that the accounts be deleted. It is their choice as to which way they preferred to proceed, but completely ignoring what I am legally entitled to request and see was not one of Experian 's options here. However, Experian would have you and I believe the payment history has again been erroneously " verified '' without any written proof of this and that we should all simply take their word for it. This is precisely why I felt compelled to write you once again. Please help to get my credit report corrected so that I can stop being illegally penalized and denied credit as a result of Experian 's failure to keep accurate records.

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 2016-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
First I would like to state that experian does NOT offer a way to dispute a credit inquiry. 
That being said, there are XXXX inquiries from XXXX XXXX still on my credit report, it is XXXX/XXXX/XXXX it has now been over 2 years and for some reason they are leaving it on here.as stated by experian in the image provided. Credit inquiries are supposed to fall off after 2 years, not 2 years 1 month not 2 years and x amount of days but 2 years. 

I suggest the CFPB launch an investigation into the legitimacy of the way experian does business. They are obviously skirting laws left and right. I ca n't retrieve my free annual credit report and had to use a free trial at XXXX to view my credit report from experian. See my other complaint.

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 2020-01-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have on several occasions since graduating to defer or even ask for info on my loan and getting options to lower my payments. They would not give me options and often times they would refer me to scare tactics and make me feel uncomfortable and force me to agree to higher payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a beauty procedure done in 2011 and paid the full bill before they would let me leave the office and then 3 years later I get a bill saying i hadnt paid enough. Ridiculous and i will not be taken advantage of. I contacted the company at the time i recieved the eronious bill and also placed a complaint with the XXXX. Please remove from my file immediately. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Investment Retrievers, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice that I owe {$510.00} on a XXXX which I do not. I have disputed with nothing being received. Please help

Company response to consumer: Closed with explanation