BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: Servis One, Inc., Titusville, PA Branch
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company has not comply to help my with a mortgage modification for almost 3 years already. I have submitted many documents to them with no cooperation. Now they wwant me to vacate the property and I am XXXX. They are sending a real estate agent every week to harrased and tell me that I have to vacate the house as soon as possible. I have no plave to go to and neither the funds to do so. All I wanted was to get a more comfortable payment for my mortgage and I end up almost loosing the property. They have submitted to me documents where they claim that the house has been foreclosed on. There no place on this documents that states that and also no recorded action at the Judicial department and website. Please try to help me in getting to comply with my request and work with me instead of hurting me. I have medical records that can support my XXXX status. Attached you will find the documents where they claimed that the house has been foreclose back in XXXX and I never was notify of this until I reported my complaint. Hope in hearing from you soon. 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 2015-03-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Identity Theft Affidavit Fraud!! APPLIED BANK XXXX .... 
{$980.00} as of XXXX/XXXX/XXXX XXXX Account charged off. {$980.00} written off. {$980.00} past due as of XXXX XXXX. 



XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Business Card Terms NA On record until XXXX XXXX Credit limit or original amount Not reported High balance $ XXXX Monthly payment {$0.00} Recent payment {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have finally gotten the opportunity to pull my credit report and I noticed that there are a number of fraudulent inquires on my credit. Names used to pull credit report that are not in anyway associated with me. I also noticed addresses that I do not or have not lived at. I would like these items or things removed from my credit report. Please any assistance would be greatly appreciated.

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 2017-02-08
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Health Care continues to bill XXXX XXXX for services rendered in a worker 's compensation matter. XXXX XXXX is NOT responsible for this debt, the worker 's comp. carrier is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I received an offer from American Express for a new credit card offering cash back after spending XXXX and 0 % interest. I applied and received the credit card. I spent the money as detailed in the offer and received the cash back. American Express then changed the terms of interest and have been charging 24.9 % on the credit card balance. I did n't realize they had been charging me interest because my statements are electronic and I make the payments automatically. That is a dishonest practice and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a letter from Citi Mortgage , Inc. On XXXX/XXXX/16 informing me that they are transferring the servicing of my loan to XXXX XXXX XXXX XXXX The effective date of transfer is XXXX/XXXX/16. 

Law requires both the old and new servicer to provide no less than 15 days notice before the effective date of transfer. As of today, XXXX/XXXX/16, I have received no notice from XXXX XXXX. Citi only gave me 13 days notice. 

Also, I was approved for a loan modification by Citi effective XXXX/XXXX/16. I have asked for a signed copy of the loan modification and for whatever reason, they will not provide it for me.

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 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have previously disputed the XXXX claim of a sum owed. I have provided XXXX with a copy of the receipt for returned equipment. There has been no response from XXXX, but this claim remains on my report, causing me to be denied credit. It is as best I can determine the sole blemish in my credit report. I wrote on XXXX XXXX, XXXX, when I still lived in XXXX, Virginia, to the XXXX XXXX Department of XXXX XXXX and XXXX XXXX to describe in detail my difficulties with XXXX. On XXXX XXXX, XXXX, I wrote to XXXX collection agencies, XXXX XXXX , XXXX and XXXX XXXX XXXX, to dispute XXXX 's claim. I also wrote to XXXX on this date, with copies to each of the XXXX credit reporting agencies. I wrote again on XXXX XXXX, XXXX, to another credit collection agency, XXXX, to dispute XXXX 's claim. In each of these letters I disputed XXXX 's claim and asked that its complaint be discontinued. I received no replies from any of the credit agencies, or from the collection agencies, or from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is violating Federal Law as follows and they must remove the Bankruptcy Record. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 The Fair Credit Reporting Act -15 U.S.C. 1681 states of the Credit Bureau running reporting period to be no more then 10 years. 
However, in section 605 of the Fair Credit Reporting Act, the requirements relating to information contained in consumer reports 15 U.S.C. 1681c ( C ) Running of Reporting Period of 7 years for section ( 4 ) and ( 6 ) only. NOT for Section ( 1 ) It does not mandate under federal law, 10 years for Bankruptcy in reporting time, such as 7 years or 10 years. There is no minium in running of reporting time. The federal law is very clear as it states no longer then 10 years but it does not address any Running of Reporting Period for Bankruptcy.. 6 Months? 12 Months? 2 Years? 3 years? 4 years? 5 years? 6 years? 7 Years? 8 years? 9 years? 10 years? 
Thus I have the option under section 605 of the Fair Credit Reporting Act of the Fair Credit Reporting Act to request removal as deletion 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
C ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 Your violation is legal case for Defamation of Character besides Federal Penalties under The Fair Credit Reporting Act -15 U.S.C. 1681 as you have no legal grounds C ) Running of Reporting Period. To the Bankruptcy

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 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion did not address my issue and claims they ca n't find the collection that is as clear as day on my credit report. This collection has been handled directly with the creditor and was removed from XXXX, however, TransUnion is still showing it on their credit report. It needs to be removed completely not showed as a " paid '' collection. I used Divorce paperwork from court to show that this debt was not mine and XXXX XXXX XXXX cleared the debt and had it removed completely from my credit as a collection. TransUnion is still showing it as a collection for some reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? 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 explanation
Consumer complaint received 2015-05-14
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
Used XXXX to load money on my prepaid PayPower XXXX card but it was not added to my account. Have a confirmation receipt from XXXX, have the actual hard copy of the receipt that I have emailed XXXX times to the company and called close to a dozen times, spoke with several supervisors but yet over and over again they pass the buck and can not offer a resolution. It has been almost a month and still they have not credited my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: Servis One, Inc., Titusville, PA Branch
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was having some problems paying my mortgage due to my husband being in an auto accident & unable to work. My mortgage was through XXXX. They sold my mortgage to BSI Financial. I was about 6 months behind in XXXX XXXX. My husband & I received a settlement from the auto accident. I took care of all of my delinquent payments plus put over {$18000.00} down on the principle. That took me through XXXX XXXX. I made my XXXX XXXX payment. On XXXX XXXX, XXXX my husband & I received several intent to forclose notices saying I was 9 months behind. I called BSI immediately & was told to disregard those notices that there is an error in the computer system but I am in fact correct I 'm current on my payments & only due for the current month. I was told that the problem could n't be changed in the computer from where this representative was located. However I was not given the information on who or where to call to have this problem resolved. The next day I received another intent to forclose letter. I called again & was told not to worry about it but it could still not be removed from their system. This has been sent to the credit burro cause our credit to have a negative mark.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to dispute 5 late payments from XXXX/ which are located on my credit report. The account was opened on XXXX XXXX 2013. The late payments are 30-day lateness listed in the months of XXXX, XXXX, XXXX, XXXX. I did not make any late payments and I request that they 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
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have mailed copies of my DL and Court documents for name change via XXXX MAIL and no response I have uploaded my documents DL SS and bill with address to their site and no response I have faxed my documents DL SS and bills with address to them and no response on the update of my personal information

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 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The credit bureau failed to comply with blocking fraudulent items per my police report as I requested within 5 business days. I have been disputing these same items for over 2 years and they still will not remove them off of 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 2016-03-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my most recent credit report from Experian or which I have a copy, # XXXX, a bogus and long written off medical bill from XXXX that, to the best of my knowledge, was previously removed from my credit file, with the assistance of XXXX XXXX, a department head and supervisor at Experian ( XXXX, fax # XXXX, has appeared again, and is preventing me from applying for a mortgage with ANY financial institution. This item DID NOT APPEAR on my XXXX previous credit reports, numbers XXXX, XXXX and XXXX, but did appear on the last report I originally mentioned. When I checked my credit this morning via the internet, it was still there. As to why to has reappeared, I have no idea. This alleged debt was investigated by all the other credit reporting firms and was deleled, including the most recent being on XXXX XXXX, XXXX by XXXX XXXX and XXXX, XXXX report # XXXX and XXXX XXXX report # XXXX dated XXXX XXXX, XXXX. Copies of this report, Experian 's report that I received, along with other supporting documents were faxed to you this evening following the submission of this complaint. 

As you will see, this alleged debt was totally and unconditionally written off by XXXX on XXXX XXXX, XXXX, so I assumed that would be the end of it. However, when I received another in a series of collection letters from XXXX XXXX this morning, I filed two complaints with your agency, these being XXXX and XXXX, copies of which were fazed to you this evening. 

This has been a seemingly never ending battle with Experian who, prior to the involvement of XXXX XXXX, was totally uncooperative and very arrogant. The tangible evidence is there that this is a totally bogus and baseless debt, which, as I stated earlier, XXXX investigated and removed from its files as did the XXXX other credit reporting agencies. I request that your agency take whatever action it deems necessary and appropriate to force Experian to totally, permanently and unconditionally, remove this item from my credit file IMMEDIATELY, and provide me with tangible evidence of the same, so that I can apply for a mortgage. I have less than 40 days to both apply for a mortgage and close on a house I had planned to purchase until this mess with Experian developed. I, and my XXXX cats, will be homeless if this purchase transaction is not consummated within the aforementioned period. The lender, XXXX, MO has been very understanding about this mess, but the can not process my application until this bogus debt has been removed from my Experian file. 

Your agency has successfully assisted me in the past with credit reporting issues, and I hope that you can again. Many thanks for your understanding and cooperation.

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 2016-02-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to Experian 's site and clicked on free credit report. I did not know they would charge a {$1.00} then {$21.00} every month. Why would I pay {$21.00} every month when I can get it for free 3 times a year. I had never done this before. I called Experian and told them my story and they said, too bad. 
I have disputed the charges on my credit card. 
Experian 's tricks people into thinking they are getting the free credit report. They did n't list the {$21.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX veteran. Several times as a XXXX, WI veteran, the VA send me to the XXXX hospital and clinics to be treated and they ( the Veteran Affairs Office ) pays them directly. In particular I have several debts that a ) never received notice of ; never given a chance to dispute until this year ; and they immediately sent this information to the credit bureau and collections which have failed to inform, notify or head my numerous attempts to dispute this debt. The debt collectors from XXXX XXXX hospital from XXXX 2009 assert that I owe {$220.00} from care they provided on behalf of the VA. Despite more than XXXX phone calls, and letters from the VA verifying they are going to pay it but they may some bureaucratic snafu, they still have this report on my credit report, I am not late, nor do I owe this debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions 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:
In response to my earlier complaint XXXX Experian responded with a bizzare and frivolous claim that my complaint " did not appear be be submitted by me '' even though I provided my name, date of birth and the last 4 digits of my SSN. 
Then in response to my second complaint they not only admitted that it was I who submitted my first complaint but now claim that they are not going to investigate because I already requested investigation earlier. Therefore, they are completely cofused, contradict themselves and are just trying to avoid compliance with the FCRA. 
Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX XXXX. Accounts XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account 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