BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-17
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX is listed on my credit reports incorrectly. 
I've disputed the information with all 3 credit reporting agencies but they have still remained on my reports. 

I dispute the ownership. 
I dispute the amounts. 
I dispute the reporting as shown on my reports. 

I've sent letters to XXXX and no responses have came back. I've done this 4 times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015, I submitted a complaint against Nationstar to the CFPB, case number XXXX. The CFPB received the response on XXXX XXXX, 2015, where Nationstar admitted they were overcharging me due to using incorrect FHAMIP amounts in their calculations ( overcharging me by over {$2500.00} per year ). In their letter, they stated my monthly payments should be {$3300.00} instead of the {$3500.00} they were requiring starting XXXX XXXX, 2015. 

I filed another CFPB complaint today ( case number XXXX ), XXXX XXXX, 2015, because the {$3300.00} they claim I owe in their response is still incorrect. They erroneously double paid my homeowners/hazard insurance in the amount of {$1400.00} each time. This is causing inflated escrow analysis, wrongful charging of a " cushion shortage spread, '' plus increased base escrow payments each month. 

One hour after submitting case number XXXX today, I received a letter from Nationstar letter claiming my loan was in DEFAULT. Although I was forced to pay the XXXX payment late because I did not budget for Nationstar 's wrongful overcharging, I managed to send them {$3500.00} which cleared my checking account on XXXX XXXX, 2015. I immediately called them. I spent yet another hour and ten minutes trying to get it resolved. I was finally transferred to customer service representative XXXX XXXX. He confirmed that my {$3500.00} payment was received on XX/XX/2015. but that it was placed in a " suspense account '' because it was not enough. He confirmed that the payment was not applied to my account until XXXX XXXX, 2015 AND RESULTED IN NEGATIVE CREDIT REPORTING TO XXXX BUREAUS!!! They did all of this even though they KNEW there was research and potential errors and a CFPB complaint response pending!!! Even using their own over-calculations, they had {$130.00} MORE THAN THEY WERE OWED, refused to apply the funds they possessed, then turned around and reported me late. XXXX then told me that they could not correct their wrongful credit reporting for up to 30 days! This is absolutely unacceptable. What happened to FAIR CREDIT REPORTING? At this point, there must be alphabet soup of all of the regulations they must have violated. Please help me STOP THIS MADNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac is my mortgage servicer. I am obliged to have an escrow with them so they are supposed to handle paying my homeowners insurance and taxes. They failed to pay my insurance premium claiming that they had a problem with the payment. They failed to notify me of this problem until after my insurance expired, opting to mail me a letter after the expiration date of my insurance plan. They then put force placed insurance on my home. Upon receiving notice I promptly resolved their problem for them. I believe that I have been wronged. The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2021 I submitted my employment certification form to FedLoan Servicing to see how many payments I have left before I am eligible for Public Service Loan Forgiveness. Additionally, there are many months that I didnt not receive a bill from FedLoan where I could have paid but they said those months would not count.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I submitted a complaint about Nationstar to the CFPB because Nationstar increased my PMI and monthly impound payments by almost {$300.00} per month and could not explain it. They sent erroneous impound statements and could not explain them. The CFPB case number was XXXX ( their XX/XX/XXXX response is in that file, so you already have all the documentation needed ). Nationstar finally responded on XX/XX/XXXX. THANK YOU CFPB! Your presence gave them a reason to care that they actually DID overcharge me by OVER {$2500.00} per year for FHAMIP. However, during the waiting period for them to respond, I kept trying to figure out HOW my impound was short and why I would be forced to pay the escrow " cushion '' since we had JUST REFINANCED with PLENTY of impound money. What I discovered was that they paid {$1400.00} XXXX for my annual homeowners/hazard insurance. I called and was on the phone for XXXX hours on a XXXX call with Nationstar and my insurance company because they could not explain why the escrow statements showed it paid XXXX. Nationstar paid it once in XXXX, then once in XXXX ; however, my insurance company, XXXX, only showed it paid once in XXXX. We learned that Nationstar sent the XXXX payment to some semi-related insurance company in Florida. Then we got on a XXXX call with the Florida insurance company and got the refund check processing started. So the WHAT IS THE NEW COMPLAINT? Nationstar 's XX/XX/XXXX CFPB response adjusted for the incorrect FHAMIP, but they are still charging me a higher monthly payment for a " cushion '' because they think I will be short by {$1000.00} in XX/XX/XXXX when the next insurance premium is due. They over paid my insurance by {$1400.00} and did not account for it in their response or calculations, and now I am somehow short by {$1000.00}??? Coincidence? I think not. PLEASE get them to FIX their mistake and stop overcharging me because THEY CAN NOT DO THEIR JOBS!!! This is nuts! Who else are they doing this to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for this loan in XXXX of 2020 because as a single parent I was struggling during Covid. As the pandemic continued, I was barely making enough to pay my house payment, car loan, insurance and utilities. I have done everything in my power to pay my bills off since Covid and making arrangements with my creditors. I even went as far as selling my home and moving in with my elderly mother to do this and where my child could attend College. As of today, NetCredit offered me a settlement of {$55.00} for XXXX payments to a total of {$5700.00}. I can not do that. I know I borrowed the money but between trying to pay everything off and inflation I just want to get a reasonable settlement within my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2023-06-15
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 2021-06-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a letter in the mail saying tiaa bank has partnered with loancare and that I have a outstanding balance. They said I didn't pay XXXX and XXXX and that I owed three months mortgage. So I payed the 3 months to the new address and new account number. And now they are saying they haven't received the check. And XXXX XXXX says all of the checks have been cashed. Even the first ones for XXXX and XXXX that I sent in XXXX and XXXX. I never received any notice that Tiaa bank was switching to loancare or that I was supposed to be mailing to a new address or loan number until they sent me a delinquency notice. And now they are still harassing me with phonecalls every other day. Asking me for my social security number and asking me how much the mortgage is. They are still asking me for more money Even though I payed them twice for XXXX and XXXX. And XXXX XXXX won't help me file claims or charges or whatever I need to do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An unauthorized bank checking account with Chime.com ( i.e. The Bankcorp Bank ) was opened under my name. I have never done business with, initiated contact, or seeked to open a new account with Chime. I received the checking account card and account information via USPS mail at my home address on XX/XX/2023. I called Chime on XX/XX/2023, reported the account as fraud, and subsequently closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went to may my mortgage online with Nationstar on XXXX XXXX, 2015 and when I went to pay my mortgage there was an additional charge for a transaction fee of {$9.00}. My mortgage payment is not considered late until after the XXXX of each month and if they do not receive the payment they charge 5 % of the amount of the mortgage. If I pay online prior to the XXXX of each month there is no transaction fee. I called and they say it is a convenience charge. Would n't it be convenient for me to pay my mortgage online anytime. What difference does it make that I pay on the XXXX vs. the XXXX or XXXX. They still sweep my account the same day I submit my payment from my checking account and they receive the money before the XXXX. If I sent them a check and they received it each month on the XXXX they would need to process the check and get it cleared from my bank before they credit my account. When I make my payment online it is done automatically. So I ask why they charge on the XXXX a {$9.00} transaction fee when prior to that there is none. Please investigate as I believe Nationstar is ripping the consumer off. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Grain Technology, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The only way I was able to pay the bill was through the app and at the time the app wasnt working correctly. They even sent me links to use and I screen recording the link not working and emailed them to them. They told me they was not allowed to take payments over the phone which was unusual to me. So in the process my credit had to suffer, I have reached out to them to pay the balance do on the card but I feel like since it wasnt my fault that I couldnt pay on time that they should fix all negative payments and they told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Information belongs to someone else

Complaint:
This form is being used to report unauthorized inquiries on my consumer credit report. I did not authorize these inquiries and I did not give permission to anyone/company to run my credit. I have an active Fraud alert activated on my consumer credit report, would like these inquiries deleted off my report due to Fraud immediately. 

XXXX XXXX  - date of inquiry XX/XX/XXXX TXXXX XXXX- date of inquiry XX/XX/XXXX XXXX - date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX XXXX- date of inquiry XX/XX/XXXX and XX/XX/XXXX and also on XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX. 

Thank you and appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Title 15 violations title 46 Violations. 15 usc 1666b timing of payments violations 15 usc 1666d treatment of credit balance consumer refund demanded. Delete all Delete negative utilization XXXX XXXXXXXX balance.

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 2022-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Experian, I, the consumer and natural person have done extensive research of my consumer report. I noticed that there has been an account placed in the charge-off status. Defined by the IRS a charge off is considered canceled debt which is known as INCOME. INCOME can not be reported on a consumer credit report. I also noticed that you are alleging that the following account is negative without furnishing any proof of VALIDATION not VERIFICATION of the alleged debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX I know that you did not do your due diligence in obtaining validation of this alleged debt because XXXX XXXX XXXX is in violation of not reporting this alleged loss to the IRS because they, themselves can not provide the VALIDATION of the alleged debt. They also stated to me that they sold the vehicle and received some compensation. But they are still trying to collect the amount of the alleged debt. XXXX XXXX XXXX also violated my rights under The Truth in Lending Act. I will get into detail with them about that myself. 

As you know, it is against the law to report any information not proven accurate. 

Once again, I demand concrete proof and evidence of the VALIDATION of the alleged debt. A copy of the contract or payment history will not suffice as I stated that the company is already in violation. 

Please be aware that all negative remarks found on my consumer report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

If you are unable to provide me with the full reports of how YOU, Experian VALIDATED and VERIFIED and how you are in compliance then you must remove this account from my consumer report immediately! 

I expect to receive a response 15 days from the date of receiving this notice. 

I have included more information for verification : My SSN- XXXX DOB : XX/XX/90 Best Regards, XXXX XXXX XXXX ' Done in good faith. Without prejudice. All natural inalienable rights reserved.

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 2022-02-02
Company: FC HoldCo LLC
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:
This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with Flagshit credit acceptance llc to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX  months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and flagship doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.

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 2015-08-14
Company: NATIONSTAR MORTGAGE LLC
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became very ill XX/XX/XXXX and have been unable to work since. I have had XXXX XXXX because of this issue ( XXXX ) and have had no luck in resolving the problem. I was on XXXX and just this past month was approved for XXXX. I lost my job and all of my benefits XXXX because I could not return to work and at that point my income went down to less than XXXX % of what it was and I had to start paying over {$400.00} a month for health insurance. My fianc and I maxed out our credit cards and used what money I had in my XXXX to try to continue to pay all of our bills including the house mortgage, but it got to the point that we were unable to keep doing it and were just falling farther and farther behind. XX/XX/XXXX year we put the house up for sale and moved into our other house as the mortgage was cheaper ( house that was left to me when my parents died ). In XX/XX/XXXX we stopped paying the mortgage. I have talked to Nationstar on at least 2 different occasions asking about the deed in lieu of foreclosure and they would not answer the question, but would just ask me if I wanted to refinance or if I had refinanced. I explained to them that it would not do any good as I would not be able to make the payment even if it was reduced and explained to them what had happened to me on several occasions. Now they have sent foreclosure paperwork. Why is the deed in lieu of foreclosure not an option? During the 5 years that we owned the house we put over {$30000.00} into the house as we had planned to stay, so the value of the house has only gone up since we bought it.

Company response to consumer: Closed with explanation