BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX : XXXX -- -> : {$16000.00}

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 2021-06-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was consolidated from XXXX to XXXX XXXX for the purpose of applying for the XXXX XXXX. 

XXXX via MOHELAs message system took months to get a reply, which never answered the questions I had at the time unrelated to this XXXX refund complaint. I have called multiple times and stayed on hold for up to XXXX hours. 

I requested a XXXX payment refund on XX/XX/22 after a coworker requested her. The first representative I spoke to that day barely answered my questions. When I asked to put the request in she said I would have had to do that before I consolidated, then when I began to question and talk about my coworker the line went dead. And this was after a XXXX hour wait. 

I called back and waited again. This time the representative was nicer and put the request in. I was told it would be XXXX weeks. When the XXXX weeks came close I called back with my coworker to verify it had been sent. That representative assured both of us it was sent to the treasury, but that the timeline was now XXXX business days. 

Last week was XXXX business days. We called back again, together to verify the request. This representative now told us that It probably didnt get sent to the treasury because we dont qualify. This representative fumbled along trying to direct us to the studentaid.gov website, but couldnt answer our questions. 

Yesterday my loan on studentaid.gov was zeroed out with an affective date of XX/XX/22. My request was made on XX/XX/22, and my XXXX form was not signed or uploaded until XX/XX/22. 

The rules to XXXX refunds made eligible by the Cares XXXX keep changing per these MOHELA representatives. And, now convienently my loan has been forgiven with a date prior to my actual submission. 

Im seeking help with COVID refund payments that I was promised through MOHELA and assured that it was processing with the treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We spent four hours on the phone Tuesday XX/XX/XXXX to get the conditional approval so there wont be an issue. The loan officer is literally the most incompetent  person Ive ever spoken to. I had uploaded income documents to the portal and he never checked it, only used documents I had emailed him which was half of our income. Didnt input our assets or savings account so the file showed we were $ XXXX short for cash to close, and didnt send us the conditions from the XXXX that needed to be cleared. Just told us it was suspended. I called my bank and gave them proof of assets and additional income on Wednesday via email and the portal and confirmed receipt. The conditions were cleared and file went back to XXXX. I dont understand why the process is so difficult for them to grasp that time is of the essence but theyre doing a disservice to everyone involved. We are now at risk of being sued by the seller and forced to close, but we want to close with a loan and not in court. We were granted prepossession of the property on XXXX and contract closing was XX/XX/XXXX. Its not XX/XX/XXXX and we have extended our rate lock and closing twice, with no end in sight. The lender is refusing to answer emails, calls, or texts, and only states the file is in XXXX review when we berate him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were on the REPAYE before the pandemic. My payment amount was {$320.00}. The SAVE program was announced to replace REPAYE. All terms are the same, except the amount of income excluded from payments increased. This should reduce all payments when based on the same AGI. My servicer changed my payment amount to {$570.00}. I ran the calculations myself and discovered that this amount is the total payment amount under SAVE for my joint AGI with my spouse, who also has student loans outstanding. I called them on XX/XX/XXXX to inform them that my payment amount should have been allocated to my husbands loans as well as my own. They first stated that I had submitted something saying I was single. The last time I recertified was in XXXX  and I have checked the application and everything was correct. I was told multiple times that the only way to correct it would be to recertify. I do not want to recertify as the Department of Ed has guaranteed that we would not be required to for at least six months. I am entitled to make the payments based on my income from my last certification for at least that amount of time. I did not fill anything out incorrectly, I did not even request for my payment plan to change. I had no choice but to be moved to SAVE, and the President and the Department of Education are telling everyone payments will be lower, so it is unacceptable that my payments are increasing due to someone elses error, and I am being punished with having to recertify earlier. 

I then was transferred to a supervisor who told me they could recalculate my payment with the info for my husbands loans but she had to transfer me. I had to answer many questions about my income and family size to this person, when all of the information should have been on my XXXX  recertification. They said I should get a letter in 5 to 7 business days about the recalculation. After about a week with no indication on my Nelnet account, nor my student aid account that anything was being done, I spent more hours on hold to inquire. They told me they didnt know why it wasnt processed yet, but they didnt see any issues with it. I requested they send me some kind of documentation for my records. They claimed they could not provide me with anything other than verbally. 

Almost another week has gone by with no indication that my payment will be recalculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Bread Financial Holdings, Inc.
State: SC
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:
Comenity Bank aka Bread Financial handles our XXXX XXXX It is my practice to always review my account online before paying my monthly bill in full. I do this to ensure that there are no fraudulent or spurious charges on my bill. Comenity Bank website has been down since approximately XX/XX/XXXX, i.e, OVER ONE MONTH. Comenity Bank, I have come to learn, handles over 100 consumer credit cards, and all of these consumers are experiencing this same issue or worse. You can review Comenity Bank 's XXXX account for a flavor of the range and volume of complaints. Comenity is sharing very little other than short, canned responses that a system upgrade has taken longer than anticipated. I had worked in XXXX  for some 30 years ; an outage that lasts more than one month ( and counting ) is absolutely egregious. Please look into this, not just for my sake but for the many consumers impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting 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 with the fair credit Reporting act XXXX XXXX XXXX ACCOUNT has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit credit plan as late for any purpose.

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 monetary relief
Consumer complaint received 2023-02-13
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to complain about the problems I have had with my mortgage collections since XX/XX/2022. 

The Department of Economic Opportunity through the government of Florida has sent checks for {$1300.00} each month to cover the costs of my mortgage because I am going through financial difficulties but every time the check arrives at Flagstar Bank it is not applied to my balance in a timely manner. Every time I call telephone technical support, they give me inconsistent answers and even the telephone advisors lie to me. I have never had the same response from telephone advisors in each of the many times I have called for my payment to be applied to my balance. The only way my payments have been processed is by making formal complaints with government authorities. Please apply the checks sent by the government to my general balance because I already owe a lot of money and the checks are in the possession of Flagstar bank. You should already be in possession of two {$1300.00} checks, apply them to my current statement and any balance where I am owing money. I am desperately asking for help because I just want the payments to be implemented. Thank you. HELP.

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 2021-10-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate.

I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Rausch Sturm LLP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in the process of buying a home. I learned that there was an alleged debt owed to XXXX XXXXXXXX being pursued by a collection agency named Rausch Sturm Israel Enerson and XXXX. This was a surprise because I am confident I paid the debt in 2020. At that time I settled a couple of delinquent accounts with credit card companies and medical bills. It is my recollection that XXXX XXXX XXXX first contacted me about this debt and subsequently XXXX XXXX began collection efforts on behalf of this debt. Because of the time that has passed, I contain locate the records. Therefore, I contacted Rausch to get information. I also contacted XXXX XXXX. Neither entity has responded. I provided the CFPB a copy of that letter. I believe the parties have failed to verify this debt because it was in fact paid to one of the collection agencies but my account was not credited. Moreover, I believe this debt may be time barred pursuant to the statute of limitations. I believe my recollection of the events is correct because for a period of time after 2020 this debt did not appear on my credit report.

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 2020-06-16
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is Mr. Cooper, a brand name for Nationstar Mortgage, LLC. On XX/XX/2019, the company used money from my escrow account to pay property taxes on the wrong parcel of land. Because of their incorrect payment combined with the correct payment, my escrow account has a negative balance. The company has raised the price of my mortgage from {$1000.00} to more than {$1500.00} a month to make up for that negative balance and pay for their mistake. They have admitted to paying on an incorrect parcel, yet 7 months later, I am still being held hostage by their inflated note to account for an error that occurred on their behalf, not mine. 
I have called more than 10 times since this error first came to my attention, beginning in XXXX. I've spoken with their escrow department, as well as people from their executive resolutions and escalation teams. Six months have passed with absolutely no resolution, despite an admission of error on behalf of the mortgage company. I'm being told that until they receive a refund from the county for the incorrect taxes, there's nothing they can do. However, the county has told me they've received no phone call or correspondence from the mortgage company. My escrow account has been mishandled, and I am paying the price for it through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on my credit file with XXXX they have wrong personal information the social security number does not belong to me as well as several accounts that dose not belong to me Im asking that you all look into this matter ..my information was always involved in a data breach

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 2022-07-22
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have XXXX accounts with Jefferson capital for XXXX. i never had XXXX, nor inquire about an account with them. somehow Jefferson capital is showing up on my credit. i did no received a letter about the collection before it was sent on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: MD
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:
on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with XXXX XXXX using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: Was not notified of investigation status or results

Complaint:
Equifax is reporting the account with XXXX inaccurately on my credit report. I disputed the account and requested a investigation be completed since XXXX of 2020 and sent letter after letter asking for an investigation since this account is reporting inaccurately. I never received a response or an update on the investigation. I sent another letter warning I would file a complaint and the comments was updated to show " reinvestigation in progress '' when I never received any information from the first investigation. It also has been 60 days since the comment was added and I still haven't received any information on the account. I even sent a validation letter to XXXX and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on my credit report, there is an inquiry on XX/XX/2023 from XXXX XXXXXXXX. i do not have any open or closed accounts with this lender and did not make or authorize anymore to make this inquiry, i contacted XXXX XXXXXXXX and was told i needed to contact the credit agency EQUIFAX. i have done so multiple times via mail and phone and this unauthorized inquiry is still showing on my report. 
EQUIFAX has failed to provide me with the information i requested and it has been more then 31 days since they received my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
See attached letter for additional details, but the summary is my son ( XXXX XXXX ) tried to withdraw {$300.00} from the self-service checkout at XXXX XXXX XXXX XXXX in XXXX Colorado , but the transaction was blocked. 

Around XXXX minutes later he received a text from USAA asking if it was a fraudulent transaction and he indicated no because it wasnt fraud because he initiated it. We believe since he answered no USAA let the transfer go through, but my son was obviously not there to get the cash. 

To summarize, USAA fraud algorithm kicked in when he was withdrawing cash and his account was debited the money but he did not receive the money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: GFS, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lived at XXXX XXXX for approximately ( XXXX ) years. The housing authority notified management that if certain repairs are not made, the residents would have to move. We were given ( XXXX ) months notice. I moved to my current address in XXXX of XXXX. Approximately XXXX years ago I began getting these notices from a collection agency Shaffer & Associates XXXX XXXX XXXX for {$1600.00} XXXX I contacted " XXXX '' the manager. She said to contact XXXX at the main office and let her know that it was NOT OWED. I never spoke with XXXX until today. She became belligerent saying I owed this money. I have no idea what this is about. I left with a clean slate. I've tried speaking to all ( 3 ) to no avail.

Company response to consumer: Closed with explanation