BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-24
Company: U.S. BANCORP
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell on hard times about a year ago and landed back on my feet and I was able to make my monthly payments on my mortgage with US bank up until XXXX of 2014. I ended up having to apply for financial assistance. My mortgage supervisor lead me to believe I was doing the right thing and at that time I had the money to pay the backwards amount but she instated on going a different route so I decided to fill out all the paper work and submit it a few months later I had heard nothing back form them so I decided to email my supervisor and ask her if I can make payments so I do n't fall so far behind she told me no that the process is in under writing right now and there would be no reason to make a payment due to being accepted for financial help so two more months go by and I get a letter stating I was not accepted for help and I have fourteen days to appeal so the next XXXX days I called my supervisor XXXX a day and left voicemails tell her voice mail box was full I never heard back from her for a full month and in the mean time getting another month behind on my payments. when I asked her about all this she denied it but I have it all in writing through emails so she has yet to contact me back on my options then another month and payment behind goes by and I get a letter in the mail stating I am due for foreclosure which I was doing everything in my power to stay out of that is was my supervisor who was not contacting me not keeping me informed and not doing her job yes I fell behind and that 's my fault but now I am nine months behind due to her not helping me and leading me in the wrong direction I had the money to pay what I was behind at month XXXX and not being nine months behind and no help my home will be foreclosed on unless they take back fees due to her emails and telling me not to make a payment. if you feel I have a case please call me and I will forward the emails to you of her stating not to make a payment.. I will forward emails so you can read every one of them they sent me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated from Tennessee XXXX University ( XXXX, TN ) with by XXXX degree in XXXX. I later graduated from the University of Louisiana at XXXX ( XXXX, LA ) in XXXX with my XXXX XXXX degree. XXXX these degrees were funded by student loans. I was able to consolidate a large portion on my federal student loans with no issues through XXXX. However, I have experienced extreme difficulties with repayment of my private student loans and bringing them current. These private student loans are serviced through Navient. These loans have doubled over the years as the interest rates range from 15.25 % to 9.25 %. These loans went into repayment status in XXXX of XXXX. At that time, I explained to Navient that I was unable to afford the {$1200.00} monthly payments that they were requesting and I paid what amounts I could each month. In XXXX of XXXX, Navient began reporting my private student loan account delinquent to my credit. I called numerous times in order to request a more affordable payment plan. Each time I was asked several questions about my finances, savings accounts, and retirement pension. These calls often ended with me being yelled at and even threatened with legal action. Finally, in XXXX of XXXX Navient sent a letter to a relative 's home stating their intention to seek legal action against me in order to collect money. On XXXX XXXX, XXXX, Navient finally agreed by phone to lower all of my private loans with them to a temporary 1 % interest rate and a monthly payment of {$420.00}. That amount was still out of reach of my budget however I agreed after being told that my accounts would be forwarded to an attorney for legal action the following day. I requested to receive the terms of this agreement and was told that I would not receive anything in writing until after 3 monthly payments have been satisfied. I called again to inquire about obtaining something in writing and was told similar information. A few weeks later, I received correspondence from Navient that contained a schedule of my automatic payments. I agreed to allow Navient to automatically deduct {$420.00} from my debit card on the XXXX of each month starting on XXXX XXXX, XXXX. However, Navient has continued to report my account delinquent to the credit bureaus. Furthermore, my payments have been applied to interest and fees only, making it impossible to lower the amount of the loan. I also continue to receive statements from Navient that show that I still owe {$1200.00} even after our payment arrangements have been made. In essence, I am paying the agreed upon $ XXXX monthly with a past due of {$1200.00}, essentially increasing the total loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have now mailed Equifax twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: R & B Corporation of Virginia
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account has been paid. On XX/XX/XXXX and XX/XX/XXXX we had a 3 way communication between the XXXX XXXX representative, collector representative and myself. XXXX had informed them that the bill being collected was a part of a previous bill that had been paid already. XXXX provided them the payment details and verification codes. EOB was sent to the collector. This bill was when I had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had met all my deductibles with XXXX. I also have XXXX that would have covered any balances left over, if ever. I am a responsible citizen who abide by the rules and pay any obligations due on time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am submitting this complaint against Equifax credit agency. First, a little history ... I have free credit monitoring protection due to my information being compromised in multiple consumer breaches. In recent months, there has been an increase of fraudulent activity where my personally identifiable information has been used in attempts to open accounts with several financial institutions. This prompted me to file a police report and submit a credit freeze with the XXXX Credit Agencies ( XXXX and Equifax ). XXXX and XXXX are great! They have very helpful, friendly service and I was able to get freeze my credit with them in no time. When I attempted to contact Equifax to submit a credit freeze and dispute a credit report, I was confronted with a fully automated answering system without option to speak with a live representative. I tried three different phone numbers XXXX XXXX ; XXXX ; and XXXX ), but each number connected me to the same automated system. During the automated call, Equifax instructs callers to submit requests for fraud alerts, credit freezes and credit reports by mail. The most disturbing issue is that Equifax requires callers to submit personal information including, full social security number, full mailing address, and a bill or paystub. This is appalling and unprofessional. No organization, especially a credit agency should be asking anyone to submit personal information through the mail. Please fine, reprimand, hold Equifax accountable to this gross negligence and mishandling of personal information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has reinserted an account that was previously deleted from my credit file with no notification what so ever. The following account was previously deleted from my credit file over a year ago. 
XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$3300.00} XXXX/XXXX/XXXX CHARGE-OFF This account was disputed as fraud and a police report was provided and the end result was the account was blocked/deleted. Equifax has violated the FCRA by reinserting this account that was previously investigated and deleted/blocked. 

I have also disputed the following account with Equifax in the past month as not belonging to me and as being part of fraud : XXXX A Show Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$1900.00} COLLECTION ACCOUNT I has supplied Equifax with a copy of a current police report, and an identity theft affidavit, but Equifax has refused to comply with the FCRA Section 605 B by using the police report and the identity theft affidavit and removing/blocking the account from my credit file. Equifax sent me a letter telling me that they were not going to comply with the FCRA and were not removing the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 



Although I have disputed " this '' item at least 5 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX - XXXX XXXX. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( XX/XX/XXXX ) 3. The Tradeline has an Activity Designator of N/A, and can not - as it is closed and has been closed since XX/XX/XXXX. Please update the Activity Designator to PAID/CLOSED 4. This account then, lacks it TRUE pay history for the duration of time in which it was open, AND IS Inacurrate 5. This Tradeline then lacks its TRUE balance history for the duration of time in which it was open, AND IS Inaccurate 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed It remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan that is being serviced by Sertus ( XXXX ). I received XXXX statements with an adjustment of principal. I have been informed for the XXXX time that the company does not amortize mortgages, and as such, can not furnish me with an amortization schedule. If the individual is not making any additional principal payments, this would not be a problem. However, I do make extra principal payments, and by not amortizing the mortgage, the mortgagee will be paying interest on a nonexistent principal balance and will be overcharged as a result. I have attached the following mortgage statements. As you can see there is an adjustment of principal paid, but no adjustment to the principal balance. My work number is XXXX. My mailing address is on the statement. Please advise as to what action you plan to take with respect to the above. 
XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied for a loan to purchase a new vehicle. I was turned down because of my credit score. The bank said I had a score of XXXX from Transunion, XXXX XXXX showed I had a score of XXXX. I called Transunion and they said XXXX was incorrect. So I payed Transunion for my correct score which I received XXXX from Transunion on XXXX/XXXX/15. So with this score I tried to purchase a new vehicle again XXXX weeks later. And Transunion sent XXXX XXXX a score of XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Needless to say I was denied credit again! So Transunion sent me with a false hope! I 'm sure banks keep this on file! This must give me the right to file a law suite ! Right! Unless their protected by our great Government!!! Why are there XXXX different scoring methods for credit bureaus? Fico, Banks, Consumers, XXXX XXXX. This is not right! There should be XXXX score for everyone. These credit bureaus suck! Maybe there should be a law that before any credit bureau files any information they should have to contact the person FIRST and make sure its accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: NC
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 contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The credit bureau has several incorrect addresses on file. I have informed them to remove the inaccurate information from my credit file. However, the incorrect information remains on my report. I have provide Transunion with the correct address and employer that should be listed on my credit file. The inaccurate information still remains on my file.

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 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union has ignored my XXXX mailed disputes of fraudulent information on my credit report, when I complained here they responded with a non answer to my complaint and said I have not tried to dispute the fraud, They claim to have sent my credit report to my last reported address, I believe they sent it to the fraudulent address that recently appeared on my credit report. I have lived at the same address for 33 years. 
I have tried to use the phone numbers listed on their web site and the one given in the non response to my earlier complaint, when anyone will answer besides a very unhelpful robot they reach barely understandable people who apparently are trained to not help victims of fraudulent credit reporting. 
I have tried to use the web site but many years ago when I had a dial-up isp I set a secret question that asked my favorite car, that was many years ago I do not remember what I answered. I do remember trying to use the question what is your mothers middle name and being told the answer is not a word because it is only XXXX letters. I have tried to get them to reset this with only silence for a answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a credit enquiry from XXXX that I did not initiate and that the credit reporting agency refuses to remove

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 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has sent me a copy of a document dated XX/XX/XXXX which they claim confirms the tax lien which I am disputing is valid and legally allowed to be reported to my name for a dispute in XX/XX/XXXX. I am flabbergasted at this companies actions and terrible investigate work in verifying a dispute dating all the way to XX/XX/XXXX until today with a document dated nearly 5 years old. They have repeatedly threatened me on the phone and by mail that I am NOT allowed to dispute this item any more. I believe that this is another attempt to lie and fool consumers into shutting up and going away. This lien is no longer under my name I demand that Transunion send me the PROPER and CURRENT documentation if they disagree. I want my signature, my tax returns verifying that I owe anything to the STATE as late as XX/XX/XXXX will be acceptable in avoiding litigation. I want the proper and current dated documents mailed to me certifying and verifying this lien as mine. I want to know who they spoke to and if they forwarded the documents I sent the showing the withdrawal of the lien. This lien was negotiated and paid in full through the 'reconveyence program ' though monthly installments. I have spoken to the Franchise Tax Board personally and they have informed me that they have not received any documentation or calls from anyone at Transunion. Please delete this withdrawn, inaccurate and invalid lien from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Premier Portfolio Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call to my cell phone which is on the Do Not Call list for a debt that is n't even mine. 

Premier Portfolio Group XXXX Every time I asked for information she would get loud and hang up on me. Then started threatening me with legal action because I would call back. 

Thru internet searches I have found numerous complaints of harassment about this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap

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

Complaint:
On XX/XX/XXXX I made a call to the department disputes Trasunion, reported me with a supervisor, because customer service, had no access to the document which had sent them XX/XX/XXXX as evidence a dispute against XXXX XXXX XXXX XXXX, the supervisor tells me that actually signed by XXXX XXXX department ( Complience Division ) XXXX clearly said they had targeted after an internal investigation, remove the account from my credit report, but immediately said he could not it, just if you could send another letter the same, but with more recent date, which is totally absurd since the account is the same, I said that if XXXX sending this document, even by registered mail, was because he had granted special treatment to the case, even it insisted that it should be a recent document, is not possible that a letter which refers to one account it can not be removed, when the company which had to make the decision, he did, in the case of XXXX, this document has no expiration date or the aforementioned company I find out about that detail Trasunion is violating the law FCRA Fair Credit Reporting Act USC 1681 reporting information taking into account as evidence of this illegality this letter even signed and certified by the company in question, please must immediately remove this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The debt is not mine. I contacted the company on several occasions and was told it would be removed.

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