BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The homeowner is facing foreclosure and received an offer on the property which requires short sale approval from Fay Servicing. 

The complete application for the short sale was submitted to Fay Servicing on XX/XX/21. To date the representative assigned to the file, XXXX XXXX has never responded to a single phone message or email. 

I was able to get the Assistant Vice President 's information and have been able to speak with hew, XXXX XXXX, a few times. 

On XX/XX/21 XXXX called to say the investor that owns the loan was countering the buyer 's offer, above what we had been told that their current opinion of value of the property was. None the less the buyer accepted that counter and the updated contract documents were submitted to Fay Servicing on XX/XX/21. 

It is now XX/XX/21 and despite numerous calls and emails we have had XXXX response once again from Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-11-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My calendar didnt send a reminder, so my payment was late ( it has been paid now ). 

They called yesterday ( XX/XX/XXXX ) from number XXXX at the following times : XXXX XXXX XXXX XXXX They called today ( XX/XX/XXXX ) from number XXXX ( and a blocked number 2 times in between at the following times : XXXX XXXX XXXX XXXX ( blocked ID ) XXXX XXXX ( blocked ID ) XXXX This is harassment. Is there a contact for a lawyer also?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-04-26
Company: Navient Solutions, LLC.
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:
Several years ago my now EX HUSBAND pursued his XXXX XXXX and since we were married I was the Borrower and he was the Co-Borrower on BOTH private and federal student loans. 

I am currently being pursued by XXXX, XXXX XXXX XXXX XXXX, XXXX for an outrageous amount of {$70000.00} and have derogatory information on my credit from the original creditor which was Sallie Mae but now serviced by Navient-reporting loans that are his sole responsibility. 

The amount is astronomical and I am having a very difficult time surviving with my children and our living expenses while he is enjoying the fruits of this very expensive education and lifestyle of an XXXX. 

Per the Divorce Decree that I have uploaded you will see that on the 3rd page it clearly states that my then Husband XXXX XXXX XXXX would be the sole responsible party for all debts in relation to this defaulted debt. Per the divorce decree he was also to refinance the loans under his name removing me from this responsibility and he has failed this order along with other ( s ) that do not pertain to this topic. 

This is seriously affecting me from obtaining a promotion at my place of employment that would allow me to provide more for my children. 

I really need these items to be removed. I have attempted to dispute them. And will be sending out another dispute with a copy of the same divorce decree being provided to you in hopes that this will get removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter in regards to a debt that I allegedly owe to bridgecrest company. I requested a validation of this debt under the provisions of the Truth in Lending Act, 15 U.S.C. 1601 et seq. but i never received that As per the requirements of the Truth in Lending Act, I am entitled to receive a written verification of the debt that I allegedly owe to this company. This verification should include all relevant details of the loan or credit agreement, including the original amount of the debt, the current balance, the interest rate, and any fees or charges that have been added to the account. they have re-aged my account so i requested this and i never received it. 

I am requesting that they provide me with the following information : A complete and detailed accounting of the debt, including the original amount, current balance, and all charges or fees that have been added to the account. 

A copy of the loan or credit agreement that I allegedly signed, along with any amendments or modifications that have been made to the agreement. 

Documentation of the authorization or assignment of the debt to your company, including the name and contact information of the original creditor. 

Verification that your company is licensed to collect debts in my state. 

Please be advised that until you provide me with the requested information, I dispute the validity of this debt and request that you cease all collection activity, as per the provisions of the Fair Debt Collection Practices Act. 

I would appreciate a prompt response to this request within your receipt of this letter. If you are unable to provide the requested information, please inform me in writing and provide the reasons for your inability to do so. 

i have checked my credit report and i see that this account is now listed as closed by bridgecrest and dropped my credit score XXXX points. this re-aging of my account has harmed me again. 

i did not have an account with bridgecrest so i do not know who these people are. 

these people were emailed by me and never responded back.

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 2023-08-16
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe that I am being overcharged for taxes and insurance on my loan. Mr. Cooper refers to these as escrow charges and they make up XXXX XXXX of my current loan payment. The original principal balance on the loan was {$60000.00}. I have made roughly {$72000.00} toward payment on the loan, and my current principal balance is still approximately {$62000.00}. Indeed, most of the money is going to toward payment of taxes and insurance rather than paying down principal and interest. This result can not be permissible. 

I am insolvent. Any assistance would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
CITI is again taking me to court again first time ( XXXX ) dismissed due to them not noitifing me and now case No XXXX for over {$12000.00} that was illegally charged to my account that I canceled in 2006 due to them illegally cahrging my accounts that they tranfered to a fake account? As the were forced to stop by your agencey File No XXXX. They are now trying to attach my social security and VA disabllity payments! Their local lawyer tlod me that they can attached my income from social security and VA disabllity, put a lean on my home and send m to prison! They also sid that they could go after my family members!!!

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 2023-05-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an XXXX American express card previously setup on autopay ( full balance ). I decided to clear my balance manually on XX/XX/23 since I did not plan on using the card anytime soon. 3 days later I have a payment request on my checking account and fees for non payment. I stopped the autopay the same day but had another payment request the next day. 

I decided to call their customer service and been told that per terms and conditions the system will initiate the payment request up to 3 times even if the autopay is off and there is no balance on the account. 

The solution they offered me is to authorize the payment just so they can send me a check back which is not in my best interest especially because I do not owe any balance on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in repayment with Discover since XXXX, the year I graduated from college. Since then I have never missed a payment that resulted in default. I have always found a way to make my payment but recently my finances have became worse. Since XXXX of this year I began to struggle making my monthly payments on time. I inquired about refinance, payment assistance programs, and deferment. With the interest rate increase, my minimum payments increased from {$800.00} to {$1400.00} a month, making it impossible to make the payments on time. I didnt qualify for refinance, which I tried several times, the repayment programs didnt last long and were only temporary. The last payment plan I was on dropped my payments from {$1400.00} to {$1100.00} which was still impossible to pay. I began paying what I could. 

On XX/XX/XXXX I spoke with a representative about the public service deferment. A public service deferment would mean me making XXXX dollars in payment for up to 36 months. The representative asked if I had did this type of deferment in the past and I said yes but Im not for sure how long I did it for. I asked if she could look it up to see and she told me she couldnt because I was in a payment program. I asked is there anyway you could see without me dropping the program, and she said no. At this point I had to take a chance because there system would not allow them to see past information. 

I decided to reach out to the XXXX XXXX and get a letter containing all the information they required to be entered into the public service deferment. Once I obtained the letter I called in on XX/XX/XXXX to let them know I was uploading documents and if they could see past information now. The representative said no you will need to drop the program, so I dropped the program. 

On XX/XX/XXXX I called to check on the documents that were uploaded. I was told you dont qualify and you cant get back into your program. I asked to speak to the supervisor to discuss this because I didnt think it was fair to have to drop the program to see if I qualified. I asked the supervisor to review the tapes because at the time I was unsure of what was said. I was told the supervisors would call me back after reviewing the tapes. 

I made several calls after no response to the supervisor, I made calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Each time I called there was no update, or the supervisor wasnt there, or he will call you back, or he hasnt reviewed the tapes yet. 

On XX/XX/XXXX I spoke with the representative XXXX, who took the time to review the tapes. He stated I shouldve received a call back, he admitted that the situation was not right and that there system was not good. He said there should be a way to see all information regardless of what program you are in but told me I was out of luck and that I couldnt get back into my program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. My credit report is still showing late payments on XXXX XXXX & XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2021-10-02
Company: Early Warning Services, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Back in XXXX of XXXX, I was a victim of Idenitity theft, I filed a police report when I disovered there were fraudulent accounts being opened under my name 11 to be exact, by XXXX XXXX XXXX, The items and accounts are being reporting on Early Warning Services LLC, I have Filed Several disputes with them to only have them remove everything but the following 11 XXXX XXXX accounts. I recently was able to place a block on the Early Warning Services Report, and I also filed a report with the FTC all the documents I will have attached, I have attempted to dispute this directly with the bank I have been given the run around since XXXX, This is hindering my life as I am a victim of my idenitity being stolen, I can not currently open any accounts until this is resolved and removed from EWS. This is hindering my buisness.and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was feeling rushed checking out a Target, and the nice teenager checking me out asked if I had a Target card and briefly explained that I could save whatever percent if I signed up for one ; I was buying something expensive, so I tentatively said yes and started signing up. 

I should have known to stop the process when the employee told me that this would be a huge relief to her, as there was a huge amount of pressure being put on them to push the cards from management. The predatory marketing issue here is that this absolutely seems like you're signing up for a loyalty/savings store card ( as is common at store check-outs ) when it is in fact a credit card. Target employees had either poorly trained on explaining how the card works or instructed to be intentionally misleading. I finally stopped when the prompt screens began asking income information and for my social security number, but then my checkout person repeatedly assured me that this would not affect my credit and I would not receive a bill if I just didn't activate the card -- so I went ahead, just trying to get out of line and get a discount, thinking I had paid with my normal credit card I'd swiped. 

I genuinely believe that she just didn't understand how it worked, and we were both in a hurry ; credit cards are serious legal agreements with financial consequences that can follow people and their families forever -- they should not be sold at check-out like pack of gum. A separate counter, at least, where there's someone trained to explain the contract you're entering into would make more sense. 

Anyway, I read the receipt when I got home and called and successfully cancelled the card within 20 minutes of signing up, but I still got a card in the mail, and I am still getting statements, and have been told by Target card representatives that there is " no way '' for them to delete my information from their databases. I have also been alerted by the credit unions that my credit score has gone down as a result of this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief