BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from 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 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
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:
I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.

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 2019-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OnXX/XX/2019 I came to a settlement with capital one for my credit card. The amount requested was {$5500.00} and I settled for {$3900.00}. I was advised via verbal communication and via letter that this account would be settled in full and I have satisfied the claim. The balance was reported to the credit bureau as me still owing {$1600.00}. I contacted capital one around the beginning of XXXX about the balance they are reporting and was advised that this would be updated on XX/XX/19 as settled in full. I received a new report on XX/XX/19 that showed Capital One reporting an increase to the amount. The new balance showed {$1700.00}. The report is still showing I owe a balance. I contacted capital one again and the representative I spoke to was not professional nor willing to understand nor help with the issue. The representative told me that is not how capital one works after I told her that when settling an account the balance should be {$0.00} unless they planned on collecting more, but being that they agreed to a settlement they cant do that. The representative continued to try to tell me what they were doing was not illegal and that was how they do it at capital one. She then tried to tell me my original balance was {$6000.00} and I only settled for {$2500.00}. When I told her I paid almost {$4000.00} she snickered so I snickered back to mock her when trying to explain again. She finally transferred me to a supervisor after threatening to hang up on me. The supervisor understood where I was coming from and submitted a request to another department to reflect my account at a 0 balance. The supervisor advised this department reports to the bureaus. I have submitted several disputes with the credit Bureau all of which they continue to not report this balance correctly. 

The statutory basis for the required update is FCRA 623 ( a ) ( 2 ), which imposes a duty on any furnisher to promptly update prior reporting so as to maintain its current accuracy. 

Once a debt has been paid to the satisfaction of the creditor, regardless of the amount they chose to accept as satisfaction of the debt, there is no more debt due to the OC, and no more debt subject to continued collection by a debt collector. Ergo, each must promptly update their respective reportings to {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Immediately after closing our mortgage with XXXX XXXX XXXX, it was sold to a different company called Nationstar Mortgage. My husband and I each send Nationstar Mortgage, which recently changed their name to Mr. Cooper, more than our required payment ever month. My husband is paid bi-weekly and I am paid monthly. We each send a partial payment after each paycheck we receive, and the total monthly payment is always more than required. 

Every single month Nationstar fails to apply our payments to our account. Instead, they hold the fund in some reserve account that does not apply to our principal or accrued interest. Without fail, we have to call them to correct the mistake. Several times they have sent us letters saying our account is in default for not making payments, when in reality we were ahead of our payment schedule by several months. 

They also often fail to apply our extra payments to the principal, and instead apply them as regular payments in an attempt to increase the interest owed on the loan. 

This is a recurring problem with every payment we have made to the company. Reading the review on the XXXX XXXX XXXX website, it seems to be a common complain among other consumers. I feel cheated because I did not choose this company but am now stuck with them as my loan servicer. 

Is there anything CFPB can do to have my loan transferred to another servicer. I feel the company in changing their name is attempting to escape responsibility for their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Conduent ( ACS ) Loan service handles my student loans. The website is not active, unable to reach anyone and horrified that they cover my loans. I am unable to view history of payments, or updated information. Funny they don't seem to have a problem taking money out of my account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reviewed my credit reports and reviewed the Statute of Limitations on Debt, for the State of Virginia, and I believe debts from Capital One and XXXX XXXX XXXX can not publish balances due, after 3 years of debt. 

In this matter, I have been without permanent job and I have not been able to pay my debts. And as of this Statutes, I believe balances due must be erased from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from " Mr. Cooper '', a Nationstar Mortgage company, on XX/XX/XXXX indicating my mortgage is being sold to a new servicer, XXXX XXXX. The letter is dated XX/XX/XXXX with a postmark on the envelope of XX/XX/XXXX. 

The letter states that the new servicer will become effective on XX/XX/XXXX, but also indicates that the law requires the existing servicer to send the notification at least 15 days in advance of the effective date. Based on the postmark, I do n't believe the letter was sent in accordance with the law. The letter was sent 13 days prior to the effective date of the new servicer rather than the 15 days required by law. 

The representative of Mr. Cooper stated there was nothing I could do and that the loan was sold. She expressed regret and tried to explain that the postmark did n't reflect the actual date of when the notice was mailed. However, unless there 's new rules for tracking mail, this explanation does n't make sense. 

I do n't want the loan to be sold to XXXX XXXX given their track record of data breaches and opening false accounts on behalf of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of any collection from XXXX XXXX XXXX. this is an error i do have insurance with my employer and all deductibles is met.

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 2019-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today XX/XX/XXXX and on XX/XX/XXXX I saw on my XXXX XXXX XXXX report. On XXXX and XXXX Experian credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On XXXX is 2 inquiries one from XXXX XXXX XXXX and from XXXX XXXX credit card cos. These inquiries was not done by me. Also Experian has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you Experian ... XXXX this TodayXX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. XXXX XXXX {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! SoXX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it

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 2019-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I don't know who Portfolio Recovery And Associates is, but I want them to stop calling me. They have called me late at night after XXXX XXXX. They have also recorded my phone calls without letting me know at the beginning of each call that the call was being recorded. I am requesting that they STOP CALLING and to communicate with my authorized representative only. Please also see the attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the last 3 or 4 months certain lenders/companies can not access my equifax credit report. I've called them multiple times and it's always the same. Theres no freeze on my report on their end. They advised me to tell the potential lender to call the company directly and request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 and my divorce started in XX/XX/XXXX. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX Filing false XXXX   charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX  and XXXX  bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX for harassment, tried having me beat up/and or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.

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 2017-12-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today is Saturday, XXXX XXXX 2017. I 've been trying to pay my mortgage on mrcooper.com for approximately 10 days. I have n't been able to login to my account on their website for this entire time. I have asked the company to reset my password 4 or 5 times and have been successful in changing it most of the time. On their website, after choosing a new password, you are then directed to a page to login with the new password. This is n't working. I know that I am typing the passwords that I have just chosen yet the website still says my password is incorrect. I have sent emails to the only email address I can find on their website which is designated for reporting accessibility problems due to XXXX or XXXX Mr. Cooper has sent me a very nice email telling me that I have sent an email to the wrong department and that I should call the company instead. No one is answering my phone calls. I realize that it is the XXXX season. People want to be off work. Should n't there be a message on their phone system saying that they are closed for the holidays? This company recently purchased my mortgage but I was able to make my payment online last month. This is incredibly frustrating and I want to get this resolved before the end of the year. I apologize for ranting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
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:
I recently submitted a request for investigation of several accounts which Experian refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your e-Oscar system, they would have known, that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXXXXXX XXXX 3. XXXX XXXX XXXX : Payment never late-XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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 2023-02-08
Company: Maximus Education, LLC dba Aidvantage
State: MI
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:
I have two XXXX loans with XXXX XXXX worth {$4000.00} in total. I transferred and consolidated these loans into one consolidated loan with Aidvantage on XX/XX/XXXX. I continued to receive payment notifications from XXXX while also incurring late fees and interest. When I first contacted XXXX they said that they had not been paid by Aidvantage. I contacted Aidvantage and one of their agents told me that they did not successfully process the consolidation despite giving me forms that said that they had. On XX/XX/XXXX Aidvatage told me that they would resolve the issue within 30 days. When I contacted both companies on XX/XX/XXXX I was told nothing had changed. XXXX says that they have not been paid by Aidvantage and Aidvantage tells me that they have paid XXXX. Both accounts are still active. During my most recent call to Aidvantage, I was on hold for over an hour and told that multiple supervisors were reviewing my account. I was then told my call was being transferred to one. Five minutes later I was told their was an error transferring the call and that no supervisor was available to help. I was also told that one would call me back and that never happened either. I have contacted Federal Student Aid and told that FSA can not help and I have contacted the Ombudsman and they also told me that they can not help me. Both accounts are active and their is no resolution being offered or pursued by either company. They both tell me tat I owe them money for the same loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I wanted to transfer my amex membership rewards to XXXX XXXX  which I transferred before. However, it gives the error " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I don't have any recent rewards earned or used. I have no idea why it puts all my membership rewards frozen. I called customer service and they said that they have no idea and no clue why it was put under review, but it is frozen and nothing they can help. Trying to reach further to get some info why it is under review for all my rewards, but nothing useful get from customer service. They said everything looks fine, but it is indeed under review, all you have to do is wait 6-8 weeks. This is so unacceptable for put all rewards frozen for 6-8 weeks with no recent activity and no reason!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently acquired by a new mortgage provider. I paid my mortgage payment due on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX for {$980.00} to Mr. Cooper. On XXXX/XXXX/XXXX a draft for {$1000.00} was taken from my bank account, leaving my account negative. I transferred cash to cover the balance, but it was cash I need for other bills. I sent a message to Mr. Cooper that I did not intend to make XXXX payments on my account within that timeframe. Their response was that I need to supply documentation from my bank and they would respond within 7-10 business days. Their website shows the two payments so I do not understand why I need to provide documentation. I want the 2nd payment stopped. I have not asked for any fees to be reimbursed, because if they would rescind the 2nd draft there would not be any fees associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: CA
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:
ALL 3 CREDIT AGENCIES CONTIUNE FREASH DATA REPORTING FRAUD ACCOUNTS AND NEVER DONE BUSINESS WITH COMPANIES, ACCOUNTS OUTDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I had a credit card account with Capital One in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of Capital One reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?

Company response to consumer: Closed with explanation