BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans have been paid in full. As of XX/XX/2023, my EdFinancial account and my Federal Student Aid account had been updated to reflect the {$0.00} balance. 

However, yesterday morning an EdFinancial customer service representative notified me that I have an account balance of {$550.00}. That evening, I logged into my EdFinancial account and saw a total current balance of {$41000.00}. As of this morning, the amount has grown to {$41000.00}, and it now says that I have a past-due payment of {$110.00}. 

The current balance on XXXX XXXX is listed as {$650.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$900.00} ( confirmation # XXXX ) XX/XX/2023 : {$19000.00} ( confirmation # XXXX ) The current balance on XXXX XXXX is listed as {$20000.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$20000.00} ( confirmation # XXXX ) The current balance on XXXX XXXX is listed as {$20000.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$20000.00} ( confirmation # XXXX ) All of these payments were made and reflected on my EdFinancial account this XXXX, BEFORE any interest could have started accruing. As such, these loans have been paid in full and I do not owe any more. 

I am attaching the following : 1. A screenshot of my account summary page showing payments listed as due now ; 2. A screenshot of the total current balance as it appears on my account now ; 3. The specific amounts for each loan that my account lists as owed ; 4. A compilation of confirmation emails for every payment made towards my student loans ; 5. A compilation of screenshots of each loan payment made, with loan groups specified ; 6. A screenshot of my {$0.00} loan balance on my EdFinancial account as of XX/XX/2023 ; 7. A screenshot of my {$0.00} loan balance on my Federal Student Aid account as of XX/XX/2023 ; and 8. My correspondence with EdFinancial as of today, XX/XX/2023. I am contacting you concurrently with EdFinancial because this issue has now become time-sensitive in light of the claimed " past-due '' payment, and I have had trouble getting timely responses from EdFinancial in the past on other issues.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  on behalf of XXXX XXXX. 

Equifax has failed to remove XXXX XXXX  from my credit report. 

I submitted copies of the XXXX policy contract. I no longer own the vehicle. It was in the shop for months and was not being operated. It was eventually repossessed and charged off. I also contacted XXXX to cancel my policy. 

Legally, I am not obligated to maintain insurance on an inoperable vehicle or a vehicle I no longer own. Per XXXX 's contract, the insurance will automatically become null and void once ownership transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to request the removal of certain information from my file. The specific items that I require to be deleted are listed in the report enclosed with this letter. I have been the victim of identity theft, and I did not authorize the charges in question. To correct my credit report, I am requesting that these items be deleted. I have already reported the identity theft to the Federal Trade Commission, and I have enclosed copies of their identity theft affidavit for your reference. I kindly request that you take prompt action to delete the aforementioned items from my file as soon as possible. Thank you for your understanding and cooperation in this matter.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXXXXXX Balance : {$600.00}, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 have sent my letters in well over 30 days and the bureaus have not validated debt as stated in my disputes. I have not received anything.

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 2021-12-17
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Homepoint finance has been the servicer of my account since I first obtained my property. Since origination I have had the taxes and insurance escrowed, and I have never missed a payment. I was made aware that my 2020 property taxes were never paid, and that my home has a tax lien that has been sold in auction. Homepoint financial has assumed responsibility for this huge mistake, however they have yet to resolve the issue, and I am at risk of losing my home. They have verbally agreed to pay all necessary charges to redeem my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They recieved proof of payment and are now asking for this again they also want proof of the payments made in house. They have not updated the statement and given the corrected statement showing the corrected balance removal of all interest as well as any late fees or false statements about money still owed On balance that was paid for which proof was previously submitted. I will be resubmitting the following documents

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 2023-07-27
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I was out of state and wanting to use my card through XXXX XXXX to make a payment for parking. I tried to send payment through and it would not process. My sister attempted the same and could not successfully process a payment either. She proceeded to use a XXXX card to complete payment. We thought it was a fluke, went to another store and had the same experience, I ended up using a card I had with another bank. The store clerk told me that other Regions Bank customers were having that same issue that day. Had she not shared that anecdote, I would have had no clue about what was going on. Money was in my account but I could not use it. I filed a complaint with Regions XX/XX/XXXX and still have not not received follow up. I called the customer support line and am having a hard time getting through to a person to follow up with.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Its been past 30 days since I disputed an item with CFPB and Transunion has failed to respond. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to 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 non-monetary relief
Consumer complaint received 2023-04-15
Company: Bread Financial Holdings, Inc.
State: NY
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:
XXXX XXXX XXXX XXXX I am utilizing for monitoring suspicious activity on my name going on since XXXX XXXX XXXX Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was last informed on XX/XX/2023 by phone to dispute these items with creditors to resolve and update whats on my credit report. There are two fraudulent acts taking place on my account. Someone tried to open up an account for the purpose of sporting goods. Where my name wasnt used but, my social security and date of birth was but, when life lock reached out to the company who, would have provided the credit. The Comenity Capital BankXXXX XXXX XXXX XXXX was unable to review the account information due to the name not being the same but, it was reported to the credit bureaus behind my social security number. My social security number seems to be on the XXXX market and someone is impersonating me with my email address beginning in my name XXXX. The sole purpose for the life lock with XXXX is so, when anything is going on under my identity there company is able to see it sooner and work with me timely to avoid this situation because its affecting me from receiving housing, employment and its a problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
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:
In XXXX of XXXX  a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
The cfpb has allowed XXXX to violate my rights again. I now have evidence proving that XXXX did not investigate the inquiry from bank of America on XX/XX/XXXX for XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence from XXXX XXXX XXXX and XXXX XXXX and other banks. please stop letting XXXX get away with this or I will go the attorney generals office. 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 2019-01-04
Company: STERLING JEWELERS, INC.
State: FL
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:
Hello, There is a credit inquiry on my reports that I did not authorize. Evidently my credit was checked by Sterling without my consent or knowledge. I have an extended fraud alert on all three of my credit reports which specifically state that any company trying to check my credit must contact me first to verify that it is, in fact me, due to an identity theft. The inquiry was placed on my reports on XX/XX/XXXX. I wrote Sterling on XX/XX/XXXX and notified them that this inquiry was unauthorized, however, they have failed to remove this inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to get a copy of my mortgage but no response. Following are emails sent to and from Mr. Cooper ( formerly Nationstar Mortgage ). 

LOAN NUMBER XXXX Why did my payment increase? The interest rate did not change. If it did why? Where in my mortgage agreement does it indicate you can change my rate and what is the rate change based on. I what detailed answers. XXXX XXXX XXXX Mr. Cooper 's response : Subject : Re :  Other ( Not Listed ) [ # XXXX ] From : XXXXXXXXXXXX Received : MonXX/XX/XXXX XXXX Thank you for contacting Nationstar Mortgage. 

We apologize for the less than satisfactory customer service experience you received and would love the opportunity to examine your issue further to find a satisfactory resolution. We have forwarded your inquiry to our Customer Relations Group and a letter of acknowledgement will be sent to you from your assigned Customer Relations Specialist within 5 business days. 

We understand that a mortgage is one of life 's most important investments, so taking care of your issue is our number one priority. 

The Customer Relations Group hours of operation are Monday through Friday, XXXX XXXX to XXXX XXXX Central Time and can be reached at ( XXXX ) XXXX. 


Should you have any additional questions regarding your account or to view details about your loan summary and recent account activity, visit us online at www.MyNationstar.com. You will have immediate access to : Frequently asked questions, A full payment history, Escrow information. 
Automatic payment enrollment Mortgage Loan, Escrow Account Disclosure, and Tax and Interest Statements As a valued borrower, your satisfaction is our top priority. If we can be of further assistance, you can contact us directly by clicking on the mail icon in the top left of your Nationstar Mortgage online account or you can call our Customer Service Department at XXXX. 

Sincerely, Research and Response Department Nationstar Mortgage LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I was not satisfied with investigation. Per mail sent I requested all information be removed and/or deleted from credit report. Experian failed to do so now I am making a complaint. I dont think it is fair

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-08-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, we have been fighting Nationstar Mortgage LLC, hereafter referred to as Nationstar, for the better part of the past 2 years. We adamantly dispute who Nationstar claims is the beneficiary of our debt obligation. We have written Nationstar many times in regards to the ownership of our alleged debt and to date they have not addressed our concerns and questions. Because of Nationstar 's refusal to comply with our requests, we are filing this Complaint. The entity Nationstar claims is the owner of our alleged debt is The XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for Nationstar Home Equity Loan Trust XXXX. We dispute this information because this alleged transfer occurred when the debt was in default. We understand that pursuant to the FDCPA, when an assignee obtains a debt while it is in foreclosure, it is a debt collector and not a creditor. Based on this fact, we believe Nationstar is falsely representing the character of the alleged debt in violation of the FDCPA. This information needs to be addressed prior to Nationstar participating in any non-judicial action. We presently have a foreclosure date set for Tuesday, XXXX XXXX, 2017. We understand that under the Fair Debt Collection Practices Act, hereafter referred to as FDCPA, 15 U.S.C. Section 1692f ( 6 ), Nationstar is a " debt collector '' because they are attempting to enforce a security interest in which they have no legal authority or right. As a " debt collector '' without legal authority or rights they can not proceed with a non-judicial action against our property pursuant to 15 U.S.C. Section 1692f ( 6 ). Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt and more specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. We are filing this complaint because we are beyond frustration and anger that Nationstar is taking this action against us without legal right and authority. We believe if we do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've made several disputes online with Experian regarding an inaccurate 30 day late for XX/XX/2021 with XXXX. In my disputes, I was not able to submit evidence supporting the inaccuracy. I have a statement from XX/XX/2021 showing {$0.00} past due from XXXX. This inaccuracy is negatively impacting my XXXX XXXX and affecting my ability to borrow and increasing my costs of borrowing. I have also sent a certified letter with no response from Experian.

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 2023-04-28
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I attended a timeshare presentation with XXXX XXXX on XX/XX/2023. I ended up purchasing the timeshare but declined their offer for credit on 2 occasions - once during the initial pitch and again while signing the contract. On XX/XX/2023 I received a letter dated XX/XX/2023 from Comenity Capital Bank stating a credit account account has been opened in my name. I contact both XXXX XXXX and Comenity Bank regarding the fraudulent opening of this credit account in my name.

Company response to consumer: Closed with non-monetary relief