BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
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:
I recently had incorrect information removed from all three of my credit reports in XXXX of this year. Experian, XXXX, and XXXX all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in Houston ( a XXXX area ), and I assume it is hers ... as XXXX  falsely has the Houston address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. XXXX  never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with Experian today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in Houston didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.

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 2021-09-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX has removed the inaccurate XXXX joint account from my husband 's file. Can you please do the same on my file please. 

Thank you!

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 2020-02-06
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
After experiencing a hardship associated with the wildfires which affected my employment in the XXXX XXXX Area in XX/XX/2019, I made every attempt to secure a Natural Disaster Forbearance with my loans serviced by FIRSTMARK SERVICES, owned by XXXX  XXXX. While all of my other private student loan lenders were willing to work with me, FIRSTMARK SERVICES were unable or unwilling to assist me with a Natural Disaster or Administrative Forbearance on the technicality that the disaster was declared as a FEMA Emergency as opposed to a disaster. I had been previously advised by a FIRSTMARK Representative that I would be able to be placed on an Administrative Forbearance as an exception given the severe hardship the disaster had on my employment, but was disconnected and future representatives were unable to assist me with this information or a forbearance. Again, it must be stressed that all other private lenders were willing to assist me during this difficult time, and FIRSTMARK SERVICES Should stand by their customers during these times as well. 

As a student borrower whom has experienced severe hardship as a result of the natural disaster as previously noted, it is very disheartening that FIRSTMARK SERVICES is unwilling to place my account in a Natural Disaster or Administrative for the 3-6 month period as previously promised for these types of disasters, which has caused significant hardship for myself and family. At this time, I am requesting immediate assistance from the Consumer Financial Protection Bureau in assisting me with the placement of these loans on one of the forbearances as requested during this very difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My previous home was sold on XX/XX/2020 and the mortgage with Homebridge was paid off. We received a letter of satisfactory. 6 months later Homebridge continues to report to all 3 credit bureaus that the account is open. This has affected my lifestyle and family tremendously as it shows that I have multiple homes and mortgages and it has negatively impacted me & my family. Ive attempted multiple times to resolve this with Homebridge and they continue to say to dispute it with credit bureaus instead of updating the account status. Ive requested to speak to a supervisor and Im denied to speak to one at the moment and told a request is submitted and I have to wait an unknown amount of time to receive a call back. I have yet to receive one.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Stearns Ventures, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I apologize in advance for the tone of this email, but it 's frustrating to have had my mortgage sold to a company that is unresponsive and seemingly disinterested. 

Early in XXXX I switched my home insurance companies and began paying through payroll deduction. I informed the mortgage company ( XXXX XXXX, XXXX ) ahead of time of the switch, which they never processed. I received in the mail a warning that my insurance expired and Stearns was purchasing a more expensive plan for me. I called to resolved and remind them of the change, which seemed to resolve the issue. A few weeks later I saw a payment from escrow for the full annual payment for the new insurance policy. I emailed and called to attempt to resolve, with no luck via either route. I have since been paying a higher monthly mortgage payment due to the still included escrow amount for insurance, as well as paying for the insurance via payroll deduction. I have now been receiving refund checks from my insurer for over-payment and my attempts to contact Stearns are ignored - i.e. my emails are " acknowledged '' but never replied to and I have not received a call from the company. I refuse to call again after being " transferred '' back to the auto-prompt multiple times. My calls literally go back to square one. 

Below is part of the email chain ( redacted ) I have ( a one-sided " conversation '' ) where I explain the issue as I did over the phone and suggest what actions need to be taken to resolve the problem. This has worked as well as calling the company ( i.e. It does n't ). 
" I emailed you multiple times over the past month to update my insurance and escrow. It 's finally recorded with you, but the monthly payment on my escrow has not been updated yet and you paid my home insurance in full from my escrow when I told you in each of my emails that it is now paid through payroll deduction on my end. Please recall the $ XXXX you paid to XXXX XXXX on XXXX/XXXX/XXXX, adjust my monthly escrow payment to reflect the fact that I now pay home insurance through payroll deduction, and recalculate what is needed to be kept in escrow. Please call me to confirm what work has been performed on your end when this is resolved. '' ( redacted prior email ) " After multiple email tickets over the past few months with no success, I just spent an hour on hold, being transferred, and hung up on multiple times via the number provided here. If I can not get assistance via email or phone, I 'm not really sure what I need to do to get assistance. If you have any questions, and because calling or emailing you had been fruitless in numerous attempts, please call me if you have any questions or need to speak with me to address the above. ''

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 2020-04-24
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:
I found the accounts on my credit report I never opens those accounts are fraudulent accounts

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 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/XXXX 4. XXXX/XXXX XXXX - {$4100.00} on XX/XX/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 2021-02-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System IncXXXX, is alleging I owe {$200.00} for XXXX  XXXX account. This claim has been disputed with the original creditor and other collection companies. I.C. System has not updated any new information to properly validate this debt. 

I am requesting I.C. System Inc., to provide all information they are withholding and any contractual agreement ( s ) I promise to repay a debt. I also request this negative reporting be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: EQUIFAX, INC.
State: NY
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 found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  {$1100.00} on XX/XX/XXXX 4.  XXXX XXXX  - {$4100.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were in deferment while I am in graduate school. I called Navient on XX/XX/XXXX to request the accumulated interest amount as I like to pay the interest while in deferment. I set up a payment of {$790.00}. for the accumulated interest to be made on XX/XX/XXXX so that I could deduct the interest on my income taxes for XX/XX/XXXX. I also requested to end my deferment and enter repayment in XX/XX/XXXX. Previously, my deferment was until XX/XX/XXXX. I wanted to start paying off my loan early so that it would be paid in full by the time I plan to retire in 10 years. 

When I reviewed my payment history in XX/XX/XXXX, the XX/XX/XXXX payment credited {$730.00} to principal and and only {$52.00} to interest instead of the full payment going to interest as I was told would be done. I called in late XX/XX/XXXX or early XX/XX/XXXX and was told that the error would be corrected in 2-3 weeks. It was not corrected. 

I called on XX/XX/XXXX and was told that the interest capitalized on XX/XX/XXXX because I canceled the deferment while Navient is saying the school has me no longer enrolled, which is not correct because I am enrolled in XXXX units. All I am asking is that the XX/XX/XXXX payment of {$790.00}. be credited toward interest. I am now being told that this is not possible when two previous Navient service reps told me it would be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper/ Nationstar Mortgage Repeated attempts to submit required flood insurance have been ignored Company claims to have purchased floor coverage for {$7100.00} per year for {$250000.00} of coverage even though we have repeatedly submitted proof of insurance It is very, very difficult to get through to any human representative to discuss the matter ( hold times over half an hour. ). In one instance, rep told us account was marked as having received info, but insurance was purchased in any case. 

As an aside, the property is a condo on the XXXX floor of a tower, making a flood exceedingly unlikely. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Their investigation did not fix an error on your report

Complaint:
I have been fighting for some time since my identity was stolen and now being apart of the Equifax Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet XXXX  and Equifax refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: GREAT LAKES
State: DC
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:
I attended this school unaware of accreditation and was making payments and found out the school had lost accreditation in 2002

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My name is ... and Im writing to you to complain about the response I received from M & T Bank to my request. 
On XX/XX/XXXX I sent by mail and email my request to M & T Bank, along with the documentation ( attached ). 
On XX/XX/XXXX I finally received an answer from the bank, by email, after I requested it by phone ( attached ). I noticed that the response its automatically generated by the software, it is not addressed to myself and does not contain any explanation related to the case I brought to the banks attention. 
In fact, Im the third borrower, along with my ex in-laws ..., .., on a property located on .... 
In XX/XX/XXXX, I got divorced from my ex-husband ... and stipulated in the divorce agreement, that he will be starting the process of removing my name from the mortgage obligations, as well from the title and deed. He was the one who took care of all mortgage obligations, on behalf of his parents. He started the process to fulfill those obligations ; unfortunately he passed away on XX/XX/XXXX. The mortgage payments were made by my ex-husband estate for more 3 months ( XX/XX/XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I started the legal process through the court to remove my name from the mortgage, title and deed obligations, and substitute myself with the estate of XXXX XXXX. 
On XX/XX/XXXX, ... t granted my motion to name the Estate of ..., .., Administrator ( the Estate ), as the substituted party in place of plaintiff, ... ( attached ). 
In the light of all these, I consider the bank did not evaluate my case with proper attention. 
Im a client of the bank and definitely I was not treated accordingly. 
My case is very complex and thats why requires legal instrumentation ; it seems that it was a very easy decision for them to deny my request. More than that, it took over 30 days to decide it. 
I come to you asking for help in determine the bank to approach my case in a professional manner, to take in consideration the court order along with all the documentation I have and to make a fair decision. 
I cant afford to have an attorney, my financial situation is on a surviving mode, my credit score is ruined and reduced my chances to get a better job, to pay for my daughter college, to secure housing in the future. 
I dont live on that property ( the other two borrowers live there ) and Ive never lived.

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 2021-05-14
Company: EQUIFAX, INC.
State: IA
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:
There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the XXXX  app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If XXXX  had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call XXXX  and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I contacted Capital One Bank to report that our personal joint checking account might have been compromised by a scam hack that I fell victim to earlier that afternoon. My youngest son brought to my attention that when he attempted to use our laptop, that a malware alert popped up on the screen. He showed me the laptop and I saw this security breach alert showing on the screen and there was a phone number to call for XXXX Security System. Knowing that I had protection on my laptop, I called this number and a supposed security team analyst informed me that my IP address to my laptop had been compromised and fraudulent activity was occurring on my accounts. This person presented herself as an analyst, she provided a name, badge ID #, and requested to remote into my phone to track this alleged hacker who compromised my IP address on my computer. Once I took the bait for this rouse, I was asked to notify my bank that fraudulent activity could be happening on my account since this hacker had access to my account information. This alleged XXXX security member stated that a pre-authorized transaction had been made on my account for XXXX at an online gambling website. At one point, this security analyst person asked to make an outbound call to my bank so that I could inform of the fraud and attempt to block the transaction. I again under the guise of this rouse allowed this person to make an outbound call to my bank in which I was transferred to another individual impersonating to be a fraud team member of Capital One Bank. This second individual convinced me that she was aware of the fraud attempts on my account and that I needed to secure my account by creating a duplicate account. She then advised me to purchase gift cards that would be used to secure the funds that were available in my bank account. So at this point, I became very uneasy. Still, under the click and bait scam, I purchased these gift cards and once the alleged Capital One Bank impersonator asked me to provide the gift card number to her ; I immediately knew that I was being scammed. I contacted my bank directly and initiated a fraud claim and disputed the charge. On XX/XX/2022, I contacted Capital One Bank to inform them that I opened a new account and that I wanted all remaining funds from the account that was compromised transferred to the new account. It was then that I was directed to speak with a customer support specialist, her name was XXXX, who proceeded to tell me that the dispute would not be honored because I participated in a scam. She told me that my account no longer met the criteria of continuing a banking relationship with Capital One. I was floored because I felt scammed all over again. This bank representative essentially blamed me for taking part in a scam and proceeded to implicate me as a willing participant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XXXX XXXX I received a scheduled call from Navient and set up a one time payment of {$150.00} to place my accounts in a temporary forbearance. After recently checking my account, I quickly realized my account is still showing a past due balance now over {$1000.00} with an upcoming due date. Nothing has been resolved.

Company response to consumer: Closed with explanation