BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: OH
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:
There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I requested Mr.cooper ( Mortgage company ) to remove my MIP, since I have met the requirement. On XXXX XXXX, I received the letter from Mr. Cooper that my monthly MIP in the amount of {$310.00} has been removed. After I check my XXXX statement, I didn't see any MIP disbursement from my Escrow account. However on XXXX statement, I saw two amount of MIP disbursement from my Escrow account. So I called Mr cooper and was informed that they will request the refund. I've waited for 4 weeks and called Mr cooper and was informed that they will not refund because the 2 MIP disbursement on XXXX statement were from XXXX and XXXX. I argue that the XX/XX/XXXX letter state that " From now on, your monthly MIP in the amount of {$310.00} has been removed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I am on XXXX XXXX in the XXXX XXXX and this late payment is really hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a request for a short sale after being denied for a loan modification multiple times. During the short sale process we had the property appraised multiple times and were finally able to secure a buyer willing to take on the challenge of purchasing this property with an offer price of $ XXXX. The property has many repairs that are needed and we were not able to get the property approved for an FHA purchaser. 

The lender appraised the property on XX/XX/20 and the valuation came back at $ XXXX. This made no sense since the new and renovated properties in the area were being sold for that value. The buyer decided to dispute the value and had an independent appraisal and inspection completed and the value came back at $ XXXX. The buyer increased the offer to $ XXXX. 

On XX/XX/20 the lender had another appraisal completed since the previous valuation had expired. The new interior valuation completed by the lender came back at $ XXXX. However, we received an email from the lender representative stating that they are not accepting the new valuation and have extended the XX/XX/20 valuation until XX/XX/20. That would make the XX/XX/20 appraisal 234 days old and far outside the 120 day deadline. 

I am not sure why the lender keeps making me jump through hoops or why they want to continue to ruin my credit by not allowing me to complete the short sale with a willing buyer at their own XX/XX/20 and current appraised value. It feels like they are just trying to stick it to me and feels more personal than business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom this may concern. I am a victim of identity theft in which someone has used my identity to open this account with XXXX  XXXX XXXX XXXX. I have made efforts to remove this account in the amount of {$1400.00} that does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX XXXX in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-11-24
Company: FinCo Services Inc DBA Current
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My card was stolen and someone was able to access my account and i reported fraud immediately and made police report about the fraudulent activity to current which is XXXX  XXXX XXXX the did a investigation they say didn't give me any type of detail or information they said no to theh cant reimbursed me for fraudulent activity they wont let me speak to aye supvisor about it i just want my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: NATIONSTAR MORTGAGE LLC
State: MO
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:
After multiple attempts and going through the credit bureau, Nationstar/Mr. Cooper continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years! 

I refinanced by loan in XX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXX and Nationstar/Mr. Cooper closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XXXX the month my account was paid in full and closed. 

They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error?? 

Additionally, both XXXX and Mr. Cooper did electronic verification which clearly was not the appropriate way to resolve this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
im a XXXX XXXX XXXX man with XXXX and find the process of submitting my id theft report to both TU and XXXX extremely confusing and stressful.

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 2019-03-14
Company: Integrity Funding Ohio, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Received a call on my phone on XX/XX/XXXX, saying that I owed money from a loan that was granted to me XXXX, XXXX. The caller XXXX XXXX stayed her records showed that I received a loan from first financiaXXXX. I told her I have no recollection of this. And requested her to give me the the name of the company and it information. She gave me an address, I lived at 9 years ago. Then stated I gave my Banking information for electronic draft and there was insufficient funds. I asked for a copy of the transactions but was told that it was passed the collection period and in the hands of the Attorney and if I didnt pay {$1500.00} dollars I will be reported to the state for check fraud. After I told her I can not recalled this and wanted to get verification that someone didnt use my personal information. She gave me my full social security and the last 4 number of the checking account, I allegedly gave. But still was not able to tell me what company issued the loan. I went to my bank they informed me that checking account was closed in XXXX. According to the caller I obtained this loan in XXXX and they couldnt collect the money due to insufficient funds. They also gave me my husband name and said I used him as a reference. I told her I can not remember any such transaction, but I owed money that wasnt collected I would pay after clarifying the information. She said she will give me one more day to come up with the money. This person had all my personal and banking information. I believe this is a scam because she went from XXXX to XXXX. She was calling from XXXX and she stated she works for XXXX XXXX XXXX in XXXX XXXX and the firm was representing their client first Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: NJ
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 XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a dispute with XXXX on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 XXXX came back stating the debt was accurate without even completing a thorough investigation. XXXX has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that XXXX  continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: AES/PHEAA
State: WA
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:
This complaint is regarding FedLoan Servicing, a student loan servicer that the federal government - unbelievably - sells their student loans to. I completed a year of service as an XXXX XXXX and received an education stipend in the amount of {$5700.00}. I submitted a request for FedLoan Servicing to accept this award through the XXXX login portal on XXXX XXXX, 2017. Today is XXXX XXXX, 2017. I called FedLoan Servicing and they dodged the question/did n't seem to know what was going on and gave me a quote of a 30 day turnaround time. I then called the XXXX XXXX XXXX Award hotline, and they informed me that since my loan was " Pending Institution Action, '' it is literally just sitting in the work basket of someone over at FedLoan Servicing waiting to be approved ( a process they informed me should only take a matter of days ). The XXXX hotline also informed me that they have notes in their system that FedLoan Servicing is the least cooperative loan servicer that they deal with. So I called FedLoan servicing AGAIN, took the advice of the XXXX hotline and asked to speak with an XXXX  administrator - they basically were like no, and again did n't really know what I was talking about when I mentioned my pending education award. They again gave me a turnaround time or 30 days - but instead of 30 days from XXXX XXXX, 2017, they said 30 days from XXXX XXXX, 2017. At this point, I can not believe that the federal government sells student loans to such a predatory organization. The longer that they choose to take " processing '' this award ( aka hitting the accept button in an online forum ) the more interest I accumulate. I imagine if they do this to every single XXXX Alum they deal with, it probably earns them a decent sum of cash from 1-2 months of interest accumulation. It 's disgusting. I 've heard similar horror stories of this kind both online and from people I know in real life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: NM
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:
Equifax failed to protect my credit information and is not fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Account Brokers Inc.
State: CO
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:
My XXXX credit report shows 3 medical collection debts, of which I did not receive proper notice of on my credit report.This is interesting, since I previously had an open payment plan with the debt collector and was paying for other medical collections, these should have been included in that payment plan. When I was made aware of these through my mortgage broker I immediately contacted the collection agency and they agreed to remove them from my credit report in exchange for full payment. I have contacted the collection agency several times. They indicate my file has been updated and it takes over 45 days, this not what the law reads. I have opened disputes and they have been closed with the credit reporting agency. I have applied for a mortgage and been denied as a result. This is adversely affecting my credit and needs to be corrected per the FCRA. Your assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
ID FOR COMPLAINT SENT TO TRANSUNION LLC XXXX I lodged a dispute with transunion against a financial institution. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. Transunion is so corrupted that they had to block my review and post on their XXXX page so that the public cant see it. That by itself is enough to prove that Transunion is corrupted. I would like to ask how much BRIBE do transunion receive under the table from these banks and financial institutions??? 

1. The financial institution said no fees are being charged during covid 19 but they did. This was a total misrepresentation from the financial institution.

2. The financial institution stole {$76.00} from my account and put the blame on the merchant with whom I do business, causing me thousands and thousands of dollars of loss. Who would compensate for the loss?

3. The account is now closed but the financial institution didnt update that with the bureaus. Instead it stated the account is open and I owe money.

4. I lodged dispute with Transunion.

5. Transunion closed the case within 48 hrs stating they have to honor the financial institution first. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. 

By blocking my post and review on their XXXX page Transunion has indeed proved they are corrupted. What would Transunion do if this goes to XXXX  XXXX or XXXX XXXX  XXXX, would they be able to block it from there as well. They think they are very clever, unfortunately they havent met the right people yet.

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 2020-11-21
Company: EQUIFAX, INC.
State: FL
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 recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted Equifax and XXXX to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and XXXX and Equifax received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my Equifax and XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that Equifax and XXXX  enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
American Express has a pre existing ticket ( please reference CFPB ticket number XXXX ) open and sadly does not look like they are interested in resolving the matter. Which has been the case since they decided to close the account without cause or justification. They claimed that documentation was sent to me and I never received it. They continue to report inaccurate information and balances on all three credit bureaus even though the account is paid in full. They have used threating and questionable FDCPA tactics over the past two years with me on this account. The debt and delinquency of the account was a directly caused by Covid 19 which involved losing my XXXX. and my XXXX  who is a XXXX XXXX  being sick from XXXX XXXX. When I called and asked for help and options I was hung up on constantly, threatened, laughed at by there in house advanced collections department. I was consistently called by there auto dialer and harassed even after asking numerous times to please stop calling. American Express has been a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying my loans back faithfully for 4 years. Just the other day, XX/XX/28, I learned that the amount due is now MORE than the original amount borrowed! What the heck is this? I am aware that Navient, my current loan holder, has a lawsuit pending against it. I just learned this but I see why. This is outrageous. What kind of fine print " disclosure '' did they slide by me? Please do something about this. It is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was illegally sued by XXXX XXXX XXXX for 2 private student loans in XX/XX/XXXX. I had disputed these loans with the original creditor and XXXX and requested proof of debt owed. I never received anything except a summons for court and notification that I was being sued. I had to hire an attorney to represent me and was bullied into accepting and paying a settlement on loans without proof that I owed the debt. My husband and I were in a rebuilding stage of improving our credit after having to file bankruptcy and losing our home in XX/XX/XXXX and felt we had to pay or risk losing everything again.

Company response to consumer: Closed with explanation