BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I've tried everything. I borrowed $ XXXX in student loans between XXXX. My loan was sold and they tripled what I owed. I've been told by so many that it isn't their problem. Wrong! It is. Because government has not regulated those that buy these loans, you let them charge astronomical interest rates, they can change your loan amount. I now owe over $ XXXX, granted some is in interest but when payments exceed what you can afford and no one wanted to lift a finger to fix all this- you can collect it from no one when I die. Because I'm it. There will be no one.. So why don't we try actually fixing the problem with mine and others- because you can't tell me you didn't know there was a problem. XXXX, just got sold again to Mohela. Think they'll fix any issues? XXXX no- not their problem. Not the state 's problem where you got the loan, not the federal government 's banking problem, not the Department of Education 's problem. So honestly, who's frickin ' problem is it? When you show seriousness I will provide you with my student loan paperwork. Not going to waste my time if you're just going to waste mine. 

My loans were not up for sale to the highest bidder yet State and Federal Government allowed my student loans to be sold to the highest bidder. I trust the government like a hole in the head, because you have all just passed the buck. Fix it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had several credit cards that were through XXXX XXXX. I had been in good standing with these cards, paying every month over the balance due and even paid off all my cards. The problem : I got married in XX/XX/XXXX and my last name changed to XXXX. It does not seem to be a coincidence to me that as soon as my name changed this company closed all credit cards that I had through their bank. I did submit an earlier claim about my student loan company ruining my credit, but that had been fixed in XXXX. I have been working hard to rebuild my credit, but now since XXXX XXXX closed 3 of my accounts, it has further harmed my credit. I don't get it-I paid on time, over the amount and then paid off my cards and they cancel me??? I truly feel that I am being discriminated against since I had a name change. Although their letter states high balances ( my student loans-which last I checked a good portion of Americans have high student loan debt ), late payments ( because my student loan company posting 8 or so different entries ). I just don't think I have been treated fairly.

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 2018-08-01
Company: Ditech Financial LLC
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: Account status incorrect

Complaint:
I called with my new mortgage provider about a month ago to get a letter that shows the loan as closed and they said I would get a letter within 10 days. I never received the letter. I called again on XX/XX/2018 at XXXX and they said I would received the letter within 72 hours. I still have not received the letter. 

I just spoke with my lender and it was suggested that I file a complaint and then call them again. 

This is going to hold up getting my mortgage finalized and I need the letter.

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 2023-09-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Dear Sir/Madam, After reading all the complaints, I have decided to file a complaint with CFPB which is probably the only way to resolve my issues with Shellpoint Mortgage from XXXX. 
My loan was transferred to Shellpoint in 2022 and thats when my nightmare started. 

I have two major issues with them that have not been resolved : ( 1 ) I have requested multiple times to remove the escrow account from this loan because they have been charging unjust payments to my escrow account ; ( 2 ) Shellpoint has been adding unjust Lender Placed Flood and Hazard insurance to my escrow account.

Your attention is deeply appreciated, and I look forward to hearing from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: TX
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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2023-04-25
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
RE : XXXX XXXX XXXX : XXXX XXXX. 
XXXX : XXXX Web : XXXX Correspondence Address : XXXX XXXX XXXX. XXXX XXXX XXXX, NE Zip XXXX I took out a student loan through XXXX in XX/XX/XXXX. Approximately 1-2 years ago the loan was transfered to XXXX XXXX. It was a horrible loan because the interest charged was 10.25-11 %. I needed the loan to complete my degree. I had a second loan with another student loan institution for 3 %. 

I decided in XX/XX/XXXX, to consolidate both loans through my credit union for 3 % interest. To complete the application process the credit union had me fill out an application. They also requested payoff letters from both student loan companies to be reviewed. The other instituition provided me with a payoff letter within 3 days. 

In XX/XX/XXXX, I began calling XXXX XXXX to request a payoff letter. Since then I have called their customer service department at least 15 times requesting a payoff letter. The representative ( s ) have been so nice each time when I requested but I never get a payoff letter all 15 times. If I receive anything it is mail saying they received my call or some other junk mail. The last time I called was XX/XX/XXXX, I was so angry I just was beside myself as to why they still have not sent me a payoff letter. I still have not received anything and I am worried my 2nd application with the credit union is going to expire because of no payoff letter from them. 

I have done everything I can -- - please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Affirm Holdings, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with Affirm : XX/XX/2023 I made my payment for that month out of my checking account on line. Affirm refused to recognize my payment made and is trying too recharge me on XX/XX/2023 for the same payment by saying that I am late with my payment! I owe less than {$100.00} on this account and after I pay it off I want be doing any more business with Affirm because they have pulled this on me before! They financed a used XXXX laptop from XXXX and it hasnt worked since day one. Its a peace of junk!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: NV
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-22
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance the fair credit reporting act XXXX Account # XXXX XXXX credit card has violated righ 15 USC 1681 section 602 .States I have the right privacy, 15 USC 1681 section 604. A section 2 it also states a consumer reporting agency can not furnish a account without my writing instructions.

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 2023-06-06
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a notice in XX/XX/XXXX asking to provide proof of home owners insurance. I didn't understand why they were asking because the home owners insurance was being paid by them to the insurance company when we did the agreement in XXXX. The mortgage company completed the payment from XXXX to XXXX but claimed they did not know it was more due starting in XX/XX/XXXX. They were asking home owner 's insurance for info. Home owners insurance didn't notify me for payment because they knew the agreement from the mortgage company. The mortgage company nor the home owners insurance Co failed to notify me that no payments were being made. My insurance was canceled in XX/XX/XXXX for no payment and once again I was not notified. I had no clue any of this was going on until the mortgage Co notified me in XXXX XXXX. Now the mortgage company wanted {$1700.00} for lapse insurance that was partly their fault. Due to lapse insurance I could not find home owner 's insurance and had to pay more for the lapse time. The mortgage company paid {$1700.00} to themselves and {$3700.00} to homeowners insurance from my escrow. Now escrow is in the negative. My note went from $ XXXX month to {$1800.00} due to every one 's error. Then, they sold my mortgage to another company. The mortgage company is united wholesale mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-09-03
Company: Spring Oaks Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) IN COLLECTIONS SPRING OAKS CAPITAL LLC {$8900.00} OPENED XXXX XXXX  15 U.S.C 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an 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 than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts. DELETE THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Between XX/XX/XXXX and XX/XX/XXXX, NMAC has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all XXXX credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: TN
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 at XXXX and XXXX i had money fraudulently stolen out of my bank account. I contacted chime immediately after it happened. ( I have transaction notifications on and the alert woke me up out of my sleep ) For two months now they have refused to give me back the money even after I submitted the police report and all of the information they asked of me. The transactions don't line up with my spending at all and they have been nothing but unhelpful. They have laughed at me and called me a liar, I do not own a XXXX and it was discussed with them that the one purchase I made in XXXX to XXXX was for a friend 's son and when we checked his account to see if my card information was still in his account or not, we found that it was not in his account and these two purchases did not come from his account. Therefore, my information was fraudulently stolen from me and the bank is doing nothing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE 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:
Inquire or accounts I did not do

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