BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: LOAN TO LEARN
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, I was notified that I no longer qualified for a rate reduction that had been applied to my student loan since XXXX. I inquired to the loan servicer, XXXX, and originally restored the rate. Then the rate was reduced again and they said the loan originator verified that the rate reduction was for on-time payments and I did not qualify. I checked my credit report and there are no late payments reported. The loan servicer said I had to follow-up directly with the loan originator, who could be reached by email or phone. I spoke to XXXX from Loan to Learn on XX/XX/XXXX. I requested payment history, which was emailed to me. 
There are two spreadsheets that were emailed to me Friday XX/XX/XXXX. The first spreadsheet was when Loan to Learn, the loan Originator was also servicing the loan. The second spreadsheet was after the loan began being serviced by XXXX XXXX. 
This opened my eyes to a larger potential problem that has not been answered since that point in time. 

For the period of time, XXXX payments totalling {$14000.00} were apparently not applied to principal nor interest. The balance remained at {$42000.00} from XX/XX/XXXX ( the date of disbursement ) until XX/XX/XXXX. 

I have requested, in writing and by phone, an explanation from Loan to Learn and XXXX. 

My last verbal conversation with XXXX with XXXX XX/XX/XXXX, he suggested I seek legal counsel. 

A complete audit should be done by a certified accountant from disbursement, interest, fees and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Attached is a letter from Nationstar stating that I requested for assistance. I do not know which assistance Nationstar is referring to because I never requested for any assistance nor did I discussed it with anyone at Nationstar. 
On XXXX XXXX, XXXX, at about XXXX, I spoke with my XXXX, XXXX XXXX about the status of my XXXX Loan Modification which they took over from XXXX Bank in XXXX as that XXXX Program is still in progress and yet to be resolved. She told me I have to re-apply for the program again and according to her the water shed is XXXX XXXX, XXXX : I think she meant to say deadline. I told her the deadline is for New applicants to the Modification Program to give them the opportunity to apply for the program to help modify their mortgage loan to a more affordable monthly mortgage payment. She disagreed with me and said both old and new applicants are to re-apply again. I also told her once you are in the program, you are in and there is no deadline for old applicants and that includes me. However, she decided she will mail me a packet and will be over knighted to me. Again, attached is the packet via XXXX. Also attached is my phone conversation with her on XXXX XXXX, XXXX at about XXXX regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TD BANK US HOLDING COMPANY
State: MA
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:
Hi TDRC/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: CO
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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with 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 2021-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Bank of America has repeatedly told me I don't have minimum payments set up even though I very much do. They waived a late fee as a result of their error but my minimum payment is now going up. In addition, they want to charge me the late fee and then later credit my account because this was their mistake. 

I am on a fixed income and I can not afford this. No one has apologized, I was hung up on, spoke to a 'supervisor ' who turned out to not be a supervisor, have not been offered a credit to fix this issue. 

This is ridiculous, I feel trapped and the bank is basically calling me a liar. It feels very exploitative. I have metadata on my phone and recordings proving that what they are telling me is not true.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-31
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am a XXXX XXXX. I have never made even a late payment to my mortgage. Northstar Mortgage d/b/a Mr. Cooper had a some sort of computer attack or breakdown. After the attack they had issues with who paid and who did not pay. I have sent them multiple copies of my bank statements to prove that my payment was submitted as I have submitted for years. They are simply stating that I did not pay.

Northstar Mortgage either lost, stole or used my payment to pay someone else account.

They have sent multiple harassing letters and phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just realized that Medicredit sent a misrepresentation to validate a debt not due. They attached another patients consent form to an old bill. They used someone elses consent information to try to validate a debt. I contacted Medicredit and they confirmed that XXXX  sent them duplicates of this debt. I confirmed with XXXX XXXX and made the final {$25.00} payment and they confirmed I have a XXXX  balance. 
I have attached the debt that Medicredit sent for validity which is incorrect because its not my consent. If this is the consent, then this debt belongs to someone else because i am not the person listed on the consent that Medicredit 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 2023-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received a series of emails from Bank of America stating that a checking account had been opened in my name without my permission. I contacted the bank and had the account closed and filed a report of identity theft with FTC. During this process, it was recommended to me to place a security freeze with XXXX to prevent this from occurring again. On XX/XX/XXXX, I received another set of emails indicating another account had been opened in my name. I contacted the bank again and had the account closed and they recommended I place a security freeze with XXXX. However, the previous freeze I placed with XXXX was already in place. Per the text on their website " A security freeze is designed to prevent approval of checking, savings, credit accounts, loans, or other services from being approved in your name without your consent ''.

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 2023-01-25
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I made a purchase for {$800.00} to Comenity Bank Using my XXXX account. 5 days before the bill was due I received a statement in the mail so I went online but was unable to access my account. 

Access to my credit card account on-line is almost always non-existent. You can't see your transactions, balances, rewards, or anything. It always says " a technical error has occurred ''. When you try to change a password it says there was a technical glitch. This happens over and over and over again. Call Customer service and they just tell you management is aware there is a problem. The real problem is that this reoccurred for 3 days constantly! Nevertheless I finally get a customer service representative on the line 3 days later and explain what's going on and she advises me that I have 2 separate accounts and the one closed was the one I was trying to log into!! To my surprise I explained that I had used the card have a statement and had been unable to make payment. The representative apologized and accepted my payment by phone ( I recorded conversation ). She said as a 1 time courtesy she would waive the late fee and interest due to problems I had accessing the account. I decided to close the account and pay the bill in full right then {$800.00} XX/XX/2022. 

Fast forward 30 days and I receive a statement from Comenity Bank for {$40.00} indicating it was for a late fee. I immediately called them and explained that it was waived by their representative and they told me that they can not waive a late fee on a CLOSED account. I explained that I had closed it myself and again they said it was a valid late fee. They reported this {$40.00} late fee as seriously delinquent 30 days past due on my credit report!! Fast forward 60 days and now I owe {$110.00} for all interest, late fees and this is illegal!! 

Comenity Bank is not a bank. It seems to be a haphazard accounting system that charges {$2.00} interest for simply having the card, then compounds the interest monthly and sends a {$40.00} late fee at regular intervals with a threat that this matter will be turned over to a credit bureau. 

I have received a downgrade from another creditor ( XXXX XXXX ) in writing because they stated adverse information on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
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:
Good day. I am reporting the credit bureaus XXXX, XXXX, Equifax about the Student loan reported on my credit report : They have not followed the laws/CFRs Family Educational Privacy Act XXXX Privacy Act of XXXX 16 CFR 433.1-Definition. I am the consumer. Money purchase loan NOT a Educational loan 16 CFR 433.2- I am able to assert my rights at ANY time. 
16 CFR 433.3- Who is exempt? Consumer application was done after XXXX, it applies. 


DPT EDXXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3000.00} {$3000.00} {$3000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Consumer disputes after resolution Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX BELOW attached are the additional accounts I requested they remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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: Was not notified of investigation status or results

Complaint:
I have sent several disputes via mail to Experian, XXXX  and XXXX  and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days. 

Dept of EducationXXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX XXXX- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX XXXX XXXX XXXXXXXX XXXX Never paid late-Please adjust XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-07-11
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BARCLAYS BANK DELAWARE
State: MD
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:
On XX/XX/2022 I made an electronic payment from XXXX XXXX XXXX XXXX to Barclay 's Bank in the amount of {$4500.00}. The reason for the error was Barclay 's had been my credit card company for over a decade but had recently sold my account to XXXX Bank. Two days later when the payment wasn't posted to I realized the mistake. I immediately contacted XXXX 's who assured me the errant payment would be forwarded to the trialing institution ; XXXX. It never was. Despite being provided a proof of payment from XXXX XXXX XXXX and being contacted by XXXX that the payment wasn't received, Barclay 's refuses to do anything. Barclay 's has stalled every chance they could. Not receiving faxes of proof of payment, emails that must be in spam folders, refusing to provide a receipt that they sent it forward to XXXX. They have closed numerous cases related to this issue without any resolution, causing me to have to start new investigations many times. I have spent hours on the phone each week, even had XXXX do an investigation from their end. They reported never receiving any money from Barclays, and tried to reach Barclay 's to speak with them but never having their call returned from XXXX XXXX, 2022. I have had XXXX XXXX XXXX  start an investigation as well with XXXX XXXX. This involved weekly calls to Barclays, where often the representative had little knowledge of the case or could not do anything to find a resolution. This case ended when XXXX called for the weekly meeting ( which usually lasted 2-3 hours ) but I was at work teaching and could not take the call. I called a few hours later and was told the case was closed because I had not answered the call. Barclays has had my money since XX/XX/XXXX. I have spent hundreds of hours trying to get them to return my money or provide any proof that they sent it to XXXX or to myself. They have done neither.

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