BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: Servis One, Inc., Titusville, PA Branch
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we had a mortgage with XXXX. we had gotten behind because my husband was out of work for a year. I started a loan modification with XXXX and before it could be completed my loan was sold to BSI this XXXX. After speaking with them they advised me that I would have to reapply for a modification with them which we did. this was back in XXXX 2015. I sent BSI all the necessary paperwork just to receive XXXX letters from them claiming they could n't move forward with the modification until they received recent paystubs and bank statements. I sent new XXXX even though what they had was still current. since then 6 months has gone by without any word from them. I email them and get no reply. I recently contacted someone other than my CSR and heard from him claiming he would forward my email to my CSR. That was two weeks ago and still no word. In the meantime I was told no payments would be accepted on my mortagage until it was modified. I now owe over {$20000.00}. XXXX is my loan number with BSI.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have worked for the same company for 17 years. 
City for XXXX, XXXX XXXX. 
They are same Employer, City of XXXX IL.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this 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 2022-10-11
Company: JPMORGAN CHASE & CO.
State: GA
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 checked my credit report on XX/XX/XXXX and noticed that my score had dropped XXXX points. When /checking to see why it showed that the company JPMCB- JP Morgan Chase Bank Card service updated my payment history. I called this company to ask why this happened 2 different times employees from the company on XX/XX/XXXX once at XXXX and the other at XXXX p.m hung up on me after collecting my social security number. Finally the third time and after speaking with multiple individuals I reached a man who told me that the information that was reported is correct and they have not reported anything to the credit bureaus since XXXX of XXXX. He told me to go to XXXX  and get a true score that my score from XXXX XXXX was wrong. I did what he said and my score on XXXX did in fact match XXXX XXXXs score also the dates of the payment history that was changed which were XXXX of XXXX, XX/XX/XXXX, and so on until XXXX of XXXX. Those dates matched what was on my XXXX The Man told me that they did not report anything since XXXX of XXXX however on XXXX it shows that they reported XXXX XXXX and XXXX XXXX  shows that they reported because if not it would not have updated. This has caused a made a negative impact on my credit score. I tried to explain that to the company that the account has been closed so I don't understand why this should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Problem with personal statement of dispute

Complaint:
I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this 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 explanation
Consumer complaint received 2022-10-12
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello. 
In XXXX I started at XXXX XXXX. I was in the military, and had to apply for multiple student loans. I paid them as much as possible, and it was over & beyond the GI Bill. I got out of the military, and graduated with an XXXX in XXXX. 
I had a hard time getting a job due to the degree. Employers didn't view my degree as a legit degree. XXXX never told me I would have such an issue. 
I eventually moved out of state due to cost of living, and had to start putting my loans on forbearance & deferment. I had taken out Federal & private loans. XXXX encouraged that. 
In XXXX XXXX went under due to fraud. I was told to apply for Borrower Defense. I did. 
I waited, and waited, and waited. I'm still waiting 6 years later. 
Every time I call, they say it's processing. In the meantime it's on my credit- and it's affecting my debt to income. 
I've complained, but I'm never heard. 
Typical time for Borrower Defense is 36 months. I know people who have applied and it was resolved in 6 -12 months time. 
Now the government has announced that anyone who went to XXXX will have their loans 100 % forgiven. There are lawsuits going on involving Borrower Defense & XXXX. 
But there's no communication with me about it. The government has said that loans will be 100 % taken care of, and even repayment for monies spent. But letters went out back in XXXX, I never got one. 
I don't know if there is anything you can do, but, I need help. 
I am hoping you're able to. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased a gift card from a department store. The card was stolen from my car. I reported the card stolen on that same day and was able to stop the thief from using the remaining {$35.00} of the original {$50.00} limit. The issuing company is Blackhawk Network. They have done absolutely nothing to resolve this issue. I faxed all documentation to them on XX/XX/2016. I called numerous times to check on the status and was told it was still being worked on??? They also claimed to have tried calling me. If so, they left no message. I am certain this was a lie!! Today I received a letter from them stating I had not sent them requested information and they would not be taking any further action. I am attaching all documentation to show proof I submitted the claim form along with the receipt of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, I was sent an email from XXXX telling me that my score decreased. When I logged in, I saw a company by the name of FRANKLIN SERVICE , INC. Not only did they illegally and unlawfully report on my consumer report, the representative I called and spoke to on today ( XX/XX/2022 ) was VERY rude. The rude representative told me they purchased this alleged debt from XXXX XXXX XXXX. This is causing me XXXX because of the XXXX. My credit dropped and I can not stop thinking about all of the damages this is causing me and my XXXX kids. They never had my written or oral consent to have my personal information. They are breaking federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call transunion mail letters and Etcs

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Mission Financial Services Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
There is a company called MISSION FINANCIAL SVCS personal loan company who run my credit without my permission and did hard inquiry on my credit. I realize this few days back when I was applying to buy a new car. I need to sue that company for without matching someones ID and simply run the credit by just getting SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
My identity was stolen and I reported it to Equifax at the end of XXXX. The other reporting agencies were notified. I have received at least XXXX unwanted offers for credit cards since then. Why has n't this stopped??? It is more than 4 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: AMERICAN EXPRESS COMPANY
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:
Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my AMEX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NC
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:
Complaint On XX/XX/2022 sent out letter to Experian via USPS Certified Mail # XXXX # XXXX My purpose of contacting Experian was to properly address their violation of 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consume to any consumer reporting agency- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, XXXX, inaccurate by reporting this transaction or experience ( charged off ) on my consumer report I have all document attached that are needed for verification along with my ID and proof of address. The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and demands Resolution A proper resolution would be to remove the charge offs from my consumer report I would like to enforce my rights of 15 U.S Code 1881s-2 and opt out of the reporting of this account to any third party 15 U.S Code 6802- Obligations with respect to disclosures of personal information ( b ) OPT out These are demands and I would hope that this is handled with good faith without any adverse actions to my account as we move forward in accordance to the law

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 2022-03-23
Company: MAJR Financial Corp
State: TX
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 filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( XXXX ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

In accordance with the Credit Reporting act Credit Collection Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-06-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is information of SANTANDER CONSUMER USA on my credit report. I do not have, nor have I requested a loan from this company. I would want proof any documents signed that state I am owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with 21st mortgage. So far these people have not followed by any of their own contract rules or by the law from my understanding of it. My mortgage is do on the first like everyone else is. but from the XXXX till the day I pay it, my wife and I get calls asking why we have n't paid yet, threats to take us to court to collect the payment and this is all before the XXXX before it is even late. We have never been 30 days late. The one time they argue we where was a XXXX up in their processing system and we where told they fixed it and noted on our account that it was their fault, but every month we still here how we where late and it our fault and that there are no notes on our account. Now this month we spoke to them ( several times and now again on the XXXX ) and said we wont be able to pay till the XXXX due to my wife being hospitalized and having to pay for her meds. They told us they did n't care and that we need to call all our family and friends and borrow the money and get it to them now and that they refuse to approve of a late payment. And now today XXXX XXXX ) at XXXX we have already received another call asking us where the money is and why the payment has n't been made. Now im not a rocket scientist, but when you call the night before and ask for money after all the banks have closed ( around XXXX ) and then call again the next morning before they open, where am I suppose to get this money from in the middle of the night. These people act more like loan sharks or the mob more than they do a mortgage company. My wife and I have had to put up with this behavior for almost a year now and are looking into refi with any other company that we can get in with, even if the rate is higher, just to get away from this kind of behavior. These people will lie and cheat you and do n't care about you or your family. They have also asked me what days I get paid, how much my check is, am I an XXXX and how I should n't be, how I should use my beer and drug money to pay them. The bad part is I have XXXX XXXX and XXXX make it worse and I have n't drank in 10+ years. But these people have told us ( with no prof XXXX way or the other ) that they fully believe we spending or mortgage on drugs and alcohol. The amount of pure crazy slander that comes out their mouths, is staggering. These people are nasty and mean and will say whatever they want. They do n't care what legal they only care what gets them their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Arcadia Holdings, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert indicating that there was a collection amount on my credit report. Since I did not receive a notification, I did not get a chance to verify or refute the information submitted to the credit bureaus. 
I contacted the original creditor ( hospital ) to verify and get the issue resolved, but Arcadia will not remove the information. 
The information being reported has negatively impacting my credit.

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