BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I received a XXXX XXXX for {$50.00}. After I went in on the XXXX XXXX  it was having problems that day so I waited until the money posted to my XXXX XXXX account which is linked to my NetSpend account. I immediately cashed out of the XXXX XXXX  for {$50.00} to go into my NetSpend account the transaction said it was completed but no money was in my NetSpend account for the {$50.00}. On the next day XX/XX/XXXX I called XXXXXXXX XXXX several times informing them that my bank NetSpend said they did not receive it yet on the documentation that XXXX XXXX emailed me it shows that {$50.00} should have went to my account debit card and then XXXX. I asked NetSpend why they could not pull up the transaction retrieval reference number for the {$50.00} that was supposed to be deposited into my account. I was informed by NetSpend that I need to contact XXXX XXXX  I have been on the phone all day with both of them they both were giving me the runaround one is saying call XXXX XXXX the other anc XXXX XXXX is saying call NetSpend. I am attaching the documentation where the money went to NetSpend I do not see why they can not pull up their transaction number and see if it matches going to my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper purchased our home loan during sometime around XX/XX/2018 and since XX/XX/XXXX of this year when they incorrectly complied our escrow payment increasing our house payment XXXX a month from XXXX TO XXXX. To continue the issues, they then incorrectly applied our XXXX electronic payment towards principle and not towards our loan on several occasions. These two events have compound and incorrectly caused undo stress and hardships on my family. 
XX/XX/XXXX PAYMENT OF XXXX was sent and received to Mr. Cooper. 
XX/XX/XXXX Late fee was applied of XXXX. 
XX/XX/XXXX- Received bill stating our Monthly payment had increased from XXXX to XXXX. Additionally, bill stated XX/XX/XXXX payment would be XXXX XX/XX/XXXX- Received a letter stating our payment of XXXX was not received on XX/XX/XXXX. 
XX/XX/XXXX- Received a letter stating our loan was in default. Total amount due was XXXX XX/XX/XXXX- Contact Mr. Cooper agent at XXXX XXXX to inquire about issues with incorrect billing and delinquent notices. Spoke with a nice agent name XXXX, notified us that XXXX went incorrectly to principle and not towards interest/escrow/loan. She transferred the payment manually and removed the XXXX late fee. Additionally, she transferred us to another department, spoke with XXXX, to correct the issues with escrow being incorrectly multiplied and received notification that our monthly payment went down to XXXX. Furthermore, we received notification that we overpaid our escrow and would be receiving a check for XXXX. 
XX/XX/XXXX Received a letter notifying that payment was inappropriately applied payment to unapplied funds account and our account was delinquent XXXX. 
XX/XX/XXXX Received notification that XXXX XXXX would be our dedicated loan specialist a he would help us resolve our financial issues. Seeings that the only issue I have is that Mr. Cooper can do simple accounting, I presume firing a few people would be appropriate. Did not contact XXXX XXXX. 
XX/XX/XXXX Received certified letter stating our rights and that there is a attempt to make collection on XXXX loan. 
XX/XX/XXXX Received another letter from XXXX XXXX about available loss mitigation. Did not contact XXXX XXXX as there has been nor should have been any issues. 
XX/XX/XXXX Spoke with XXXX again, told here that our payment wasn't correctly applied again to loan. Submitted two payments that day for XXXX and an additional, XXXX. The XXXX I believe is a overcharge from the original SNAFU ESCROW issue. Was notified that account was up to date we could ignore the collection notifications. 
XX/XX/XXXX Received letter from Mr. Cooper stating we owe XXXX. 
XX/XX/XXXX Received loan statement that regular monthly payment is XXXX but we amount due is XXXX and XXXX payment was not correctly applied again. 

I will continue to work with Mr. Cooper but they continue to incorrectly apply payments and can't seem to do proper accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am frusterated we are trying to work with the lender and are gettting no where. At some point I was offered a XXXX Trial Payment Plan for a modification, we made one payment and then I a hardship with repairing my car, we were unable to continue the remaining 2-3 trial payments, that became cancelled. 
We then contacted few non profit agencies, we law firms, paralegals and got some advise and free consultation however we re-submitted for a change in circumstance ( hardship request ) and have been told we don't qualify for a modification or home retention options until XX/XX/XXXX. 
We have been working with a 3rd party agency XXXX XXXX they tried to submit hardship documents and do an appeal and the results of the appeal are attached. 

Here is a timeline of whats been going on, on our account XXXX nos XX/XX/XXXX submitted XXXX bk filed XX/XX/XXXX in review XX/XX/XXXX denied and never got denial paperwork underwriter said send in appeal XXXX got appeal decision saying reapply in XX/XX/XXXX ( see attached ) We have been trying to work with Mr. Cooper since XXXX, we ended up filing chapter XXXX BK to save out home from going to foreclosure, however we got a new sale date coming up in XX/XX/XXXX. We don't have any liquid assets to bring the loan current, we just want to accept a capitalized mod, of flex mod programs specifically related to this investor so we can come current and make our trial payments continously. 
This is our home, our retirement for our children, I am terrified of loosing our home, I wish that the lender can review our updated income, assets, financials to determine we have a solid hardship and re-review this file again. We are seeking your help to determine what " home retention '' options will be availble for us, XX/XX/XXXX is many months away and we can not loose our home. Please help us escalate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit reporting 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 am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2018-09-06
Company: NATIONSTAR MORTGAGE LLC
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: Old information reappears or never goes away

Complaint:
Nation star mortgage company became Mr. Cooper. I had a mortgage with nation star and nation star was reporting to the credit agencies when it became Mr. Cooper then Mr. Cooper was reporting to the agencies simultaneously with nation star. After checking my credit report I saw that it look like I had two mortgages one with Mr. Cooper and one with nation star with the exact same information. I called Mr. Cooper and they told me that it was illegal to report under two different names. My credit report shows the exact same information from nation star And Mr. Cooper. Mr. Cooper refused to do anything about it. I saw this on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've been dealing with this since XXXX. Please help. I have ten loans in default held by PHEAA. I reached out to PHEAA asking about eligibility for XXXX XXXX program. I was told that my loans would be transferred, but they so far have not been. I believe my initial contact with PHEAA was on or about XX/XX/XXXX, and subsequently, on or about XXXX XXXX XXXX I was in touch with PHEAA again on XXXX XXXX XXXX I was told that my loans would be transferred to XXXX, but that, again, I would just have to wait. 

I have contacted D of Ed on XXXX XXXX XXXX XXXX, only to be referred to PHEAA. My last contact with D of Ed on XXXX  is still " under review. '' StudentAid.Gov tells me that I have these loans in default, with balance of ~ {$98000.00}, but both PHEAA and AES don't make the info available to me, though I can see on StudentAid.Gov that interest continues to acdrue. 

I have recently paid off a balance of ~ {$30000.00} with XXXX. 

I am in a position to pay approximately one-half of this balance, and then continue making payments, and have been trying to resolve this since XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account reported to my credit report as charge off. DISCOVER representative did not give me an option to settle nor dispute the inaccuracies and should be removed and or updated as I did not have an option to correct it before it affected my credit report greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: SC
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Auto payments to be pulled on the XXXX and was, but an additional payment taken the the XXXX. Called and was left on hold for over XXXX hours with no estimated wait time or queue position, emails also going unanswered. Person information I have updated with them never being recorded, address and zip code to log in is from 10 years ago despite being updated again 4 months ago when my loan was transferred back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 
Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: AL
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:
XXXXXXXX XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus for XXXX XXXX XXXX. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and 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 accounts 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 accounts Bankruptcy XXXX 7-discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
credit card provider does not want to dispute the purchase due to the overdue XXXX  days from the day I purchased. Purchase date XX/XX/22, amount- {$340.00} The reason I need to dispute this purchase is that the service was not used and was canceled. The company promised to return money during advertising but refused to do it when I actually requested it. Please let me know if additional information needs to be provided.

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 2023-02-17
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital has tried numerous times in the past to collect a debt that I did not owe. After years of trying to get them to remove this from my credit report and cease collection, they finally did so. However, they have tried sending collection letters to me and to an address that I have not lived at for over 20 years trying to collect money that they insist I owe them. The debt itself was already over 10 year old, but they changed the dates to say it was from 2015, which is a lie. However, per XXXX XXXX. Laws 600.5801 et seq., this debt is already past the statute of limitations even with the new date falsified by Jefferson Capital.

They are breaking the law in at least two ways : 1 ) Attempting to collect a debt that is already past the statute of limitations 2 ) Illegal contact of someone, other than myself, in an attempt to collect this false dept.

I was embarrassed to be contacted by this person from a former address that now thinks I do not pay my debts.

Based on federal law, I am due compensation for these acts. I would like to settle out of court, if possible, but am already in contact with legal council on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: ME
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:
Subject : Urgent Assistance Required : Equifax Reporting Inaccuracies and Dispute Process Obstruction Dear Consumer Protection Bureau, I hope this message finds you well. I am writing to seek urgent assistance regarding a troubling situation I am facing with Equifax, which has severe implications for my financial well-being and consumer rights. I have been actively engaged in an ongoing dispute process with Equifax to rectify inaccuracies on my credit report. Despite providing substantiated and precise information, I am currently unable to access my account to continue the dispute process. This obstruction severely hampers my ability to address the reported inaccuracies, casting doubt on the fairness and transparency of the process. Moreover, I have discovered a significant and alarming disparity between the terms outlined in a signed contract and the information being reported by Equifax. The contractual agreement explicitly states a monthly payment of {$450.00}, while Equifax 's records inexplicably reflect an inflated amount of {$490.00}. This glaring discrepancy is having a detrimental impact on my credit standing and financial reputation. In addition, I find it deeply troubling that the creditor appears to have the authority to impose unjustified late payment charges during an ongoing litigation and pending lawsuit. This practice not only contradicts ethical lending standards but also undermines the integrity of the dispute resolution mechanism. I implore your immediate intervention to address these critical issues and safeguard my consumer rights. Your expertise in upholding fair practices and ensuring accurate reporting is indispensable in achieving a timely and equitable resolution. Please feel free to reach out to me at [ ( XXXX ) XXXX XXXX ] to discuss this matter further. Thank you for your prompt attention and support during this urgent situation ps. i've already sent a certified letter into disputes and XXXX digital through automated processes that's {$2000.00} per dispute XXXX until the inaccuracies are fixed litigation processes are not stopped until court has made a determination on the ongoing litigation against public auto finance. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 i sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items for my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made

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 2023-04-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting inaccurate accross all 3 reporting agencies. Thanks.

Company response to consumer: Closed with explanation