BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
For XXXX XXXX and XXXX in XXXX American Express shows I did not make payments on my credit report. However my bank statements show I was only past due in XXXX of XXXX. My bank statements show that on the following dates these payments were made : XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$410.00} You will see the mentioned items circled on the attached statements. 
My credit report also indicates that American Express closed my account. However I called to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
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:
My private loans that I had to take out in order to finance going to school at XXXX University were first serviced through XXXX XXXX, and then were transferred to Heartland ECSI. One of my four loans is being paid regularly by myself to XXXX ( a collections agency ). This was not an issue when I had XXXX XXXX. 

For some reason with Heartland ECSI they are taking funds that I've allocated to the accounts ( B, C, D ) that are on my monthly loan statements and giving them to XXXX ( account A ), promoting past principal and interest due in next month 's statement. 

I've tried at least 4 times to have them fix this, and they do so - but it just happens again next statement. Their response every time is that they have things automated, and that a human does not open the paper statement/my check. 

However it is to be resolved, no past due principal/interest should be paid on my behalf as this is a processing issue with the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1-XXXX XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to Experian, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both Experian and XXXX have NOT removed this debt off of my 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 2023-01-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America services my mortgage. I entered into a forbearance program at the beginning of the pandemic. Since then it has been impossible to get accurate information about my loan online or over the phone. I sent multiple payments in that were not correctly credited to my account. I continue to see inaccuracies on my monthly statements. As of this month, I noticed a 100 point drop of my FICO score. I pulled copies of my credit report from all 3 agencies. Until this month, I've had zero negative remarks on my reports. Bank of America has been reporting to the agencies although they have said that because I had gone through bankruptcy they were not reporting on my account. I'm not sure how long they have been reporting but the representatives that I have communicated with have always told me that they do not report my account because of my bankruptcy. I have contacted the bank and they have given me a reference number.

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 2022-09-13
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Not sure I keep getting report of available funds sent to my address for 3rd party refinancing ( Mutual of Omaha ) I want it stopped am not or ever will be interested in refinancing. I researched big scam. I have mortgage with other company. Dates sent today XX/XX/22 third one in last two months stating I have XXXX available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The information on my credit report is incorrect and showing accounts I didnt open, Complete fraud

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 2023-01-26
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to XXXX XXXX after the phone was lost by shipper XX/XX/2021 my account had a XXXX charge for the cost of the phone due to XXXX  failing to issue me a refund and i had to dispute the charge from my credit card XXXX  XXXX paid me and then XXXX  re-added the cost of the lost XXXX  XXXX XXXX  XXXX to my account even though their own handset order research request found that the phone was lost by shipper when i reached out to XXXX and ask why my account was in collections after i departed with them they told me i owed money for a phone when i submitted proof that the phone was lost by the shipping company they performed handset order research request and found that the phone was lost by ups the request number is XXXX after this step with a phone representative they place me on hold for one hour then ended the phone call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made my payment but the amount is showing as past due. I have sent at least 5 emails over the last 2 weeks and have not received a single response. The payment does show that it was paid but the past due amount also still shows. I have received 2 notices that my account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XX/XX/XXXX I called a collection agency to make a payment arrangement for my debt. I was told I would have to pay the debt in full. I asked why is that & the agent responded by saying because its been too long. I said well it has been 5 years, but I want to make a arrangement before the account closes. The agent responds, no maam we will continue to update the credit bureaus. I then asked to be with a supervisor. I was told this is not a supervisor matter, why do I want to speak to a supervisor. I explained I did not understand because it has been too long. She refuses & I asked again calmly. The agent started yelling at me, saying she will put in the system she has updated me on the information and told me to have a good day and she hung up on me. Within a few minutes later, I am being called and hung up on from different numbers. I do not appreciate being harassed & yelled at for trying to pay off a debt.

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 2020-07-24
Company: Experian Information Solutions Inc.
State: PA
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 been requesting information from the bureaus and they haven't sent me anything. There are several accounts I needed information on. 
1 ) There are 2 XXXX XXXX XXXX one is for XXXX the other for XXXX. one showing opened in XX/XX/XXXX the other XX/XX/XXXX why if money was owed would they have opened another account. There is no way I owe {$2200.00} to XXXX .... This is a mistake 2 ) XXXX XXXX they indicated the payment history was bad starting XXXX of last year that is not correct 3 ) XXXX XXXX this was being paid through my employer they were taking money out of my check for this and there should have been no late payments 4 ) Experian and XXXX  are also reporting two medical collections both with a company named XXXX one in the amount of {$520.00} the other in the amount of {$900.00} neither which are mine. These companies keep taking a debt that does not belong to me and continuously sell it to someone else they are not mine. 
I started requesting an investigation to the above accounts back in XXXX and have yet to get anything from any of the three bureaus. WHAT IS GOING ON?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, We have a mortgage loan with CHASE which is currently in arrears and in a foreclosure status. Weve lived in our house since XX/XX/XXXX and since we had different lenders since the purchased of our home ; XXXX XXXX, Washington Mutual and now CHASE. We had a perfect payment history until XX/XX/XXXX when my mother became ill. We were both grateful to CHASE for approving us for a loan modification. However, other set of circumstances occur and caused us to stay behind on our mortgage payment once again. I contacted CHASE regarding the changes and current situation CHASE representative ( s ) offered to review us for a loan modification for a second time in XX/XX/XXXX. After sending all the require documents I was told that because its been less than a year time frame since we were last approved for a loan modification a 2nd review will be denied, and a foreclosure sale date was placed in our home on XX/XX/XXXX. we were both scared and ran out of options that we had no choice but to file bankruptcy. I am a XXXX XXXX XXXX I assist with XXXX XXXX and my husband is a XXXX XXXX XXXX we dont want to lose our house. We have a foreclose sale date on XX/XX/XXXX and we are not getting any assistance from our mortgage company. CHASE representative said we can re-apply for a loan modification, but it will be after our sale date as the year will pass since last review. We are both hardworking individuals and are financially stable now and are asking that our foreclosure sale date gets postpone and allow us time for CHASE to allow us to pay them what we owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions 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:
The account XXXX XXXX Bank is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
Therefore this account should be deleted immediately.

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 2023-04-11
Company: EQUIFAX, INC.
State: CA
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:
CREDIT REPORTING ERRORS AS PER ATTACHED LETTERS UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.

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 2021-03-04
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I was approved for a mortgage. Since then I had to put in complaints about the service I was receiving. I called XXXX XXXX to ask her about a question about a property i seen that was residential / commercial she her referred to her supervisor who advised me at that time that if it was turned back to all residential I could proceed. I thought nothing of it any longer and started to look for other property 's. Well today I received a termination letter reasons stated : NFCU does not grant credit on the terms requested. XXXX XXXX then submits on the XXXX XXXX  What? There was no contract ever written no nothing. I am confused. MLS XXXX told me to today the notes underwriter wrote says no address, no contract, no nothing but still termination. This is retaliation cause i had emailed there ceo a couple of times when i was told not to. 
Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit reports. Please be aware, XXXX  has already deleted this account as it was in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with copies of credit card statements, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will  not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out several small student loans with Discover Student Loans in the XXXX 's while attending the University XXXX XXXX. In XXXX, I entered into Chapter XXXX Bankruptcy, but continued to make payments on these loans. During the course of bankruptcy, I received notice from Discover that my student loans were being sold to another servicing company, and the company name and information would be provided. I never received such information. Over the course of the six years I was in bankruptcy, I made attempts to contact a list of names of servicing companies Discover provided. None claimed to own my loans. With Discover disclaiming my loans, and the servicing companies who allegedly purchased my Discover loans also disclaiming them, I had no one to pay. I was discharged from bankruptcy in XX/XX/XXXX. Since then, I have received no communication from Discover or their subsidiary Student Loan Corporation ( SLC ). Today, I checked my credit reports to find that both Discover and SLC have entered negative remarks in to my credit reports for XX/XX/XXXX and XX/XX/XXXX. I called SLC who advised they could not " bill '' me for XXXX or XXXX because I was in bankruptcy. This is false. If Discover or SLC believed I owed them money, they could have billed me any day after they were notified of the discharge of my bankruptcy. They did not do so. I am especially disturbed about SLC entering negative information into my credit reports because I never specifically entered into any agreement with them to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I MOVED OUT OF THESE APARTMENTS IN XX/XX/XXXX. XXXX A STAFF MEMBER OF XXXX XXXX OFFERED TO COMPLETE WALK THROUGH AS XXXX XXXX HAD THE OFFICE CLOSED DURING BUSINESS HOURS AND WAS UNAVALIBLE XXXX INFORMED THAT EVERYTHING CHECKED OUT GOOD AND XXXX WILL MAIL DEPOSIT ALONG WITH COPY OF WALK THOUGH I PROVIDED KEYS TO THE UNIT. HE REQUESTED CONTACT INFORMATION FOR XXXX IF ANYQUESTIONS. I PROVIDED MY FORWARDING ADDRESS AND EMAIL AND CELL NUMBER AND MOTHER. I NEVER ONCE RECIEVED ANY COMMUNICATION/ CORRESPONDENCE OR DID ANY STAFF MEMBER OF XXXX XXXX XXXX ME IN REGUARDS TO ANY BALANCE DUE OR OWED NEVER RECIEVED MY DEPOSIT CALL NO ONE ANSWERED OFFICE WAS ALWAYS CLOSED WHEN I WENT BY. LEFT IT AT A LOSS. I SEEN ON MY CREDIT REPORT XXXX XXXX XXXX WAS REPORTING A BALANCE OF {$430.00} ON XX/XX/XXXX HOWEVER COM IN WHICH WAS NEVER DISCLOSED WITH ME I ASKED THEM FOR PROOF AND DOCUMENTATION THAT SOMETHING WAS SENT TO ME BECAUSE I DID LEAVE M CONTACT INFORMATION AND STILL HAVE NOT RECIEVED ANYTHING CALLED APARMENTS SPOKE WITH XXXX STATED COMPANY HAD BEEN BOUGHT OUT NO LONGER IN BUSINESS. I ASKED THEM AND HAVE DISPUTED THIS COLLECTION FOR MONTHS AND NO RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I switched insurance policies on XXXX XXXX and promptly faxed the declarations page ( with loan number ) to Mr. Cooper. I have called several times a week since, and their information still reflects the old policy which is more than {$1000.00} more than my new policy. The old policy is coming up for renewal on XXXX XXXX and Mr. Cooper still shows my old insurance company on their website. I have yet to receive confirmation that my old policy will not be paid. Coincidentally, I just had an escrow analysis at the end of XXXX and they are adding on a hefty overage which is resulting in a very costly monthly payment. I tried to explain to them that they're over charging me based on the new policy, but nobody in the escrow department seems to understand. They will transfer me to the insurance department, who tells me that their systems don't communicate with the escrow department systems. After talking to both parties, they tell me that I need to speak to the other department. I called today and got the loss prevention/mitigation department where the operator told me that he's covering the phones because the escrow department is closed. I explained to everyone that the escrow deposits are my money held in good faith and they they have an obligation to respond to requests for me switching my providers as well as return the money that they're taking from me based on a policy that doesn't exist anymore. Despite weeks of calls and being transferred to other departments, this issue is not resolved.

Company response to consumer: Closed with explanation