BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I received a letter in the mail from my mortgage company, Navy Federal Credit Union, stating that my homeowners insurance carrier, XXXX, no longer has an acceptable financial rating. Therefore, I must find an insurance company that currently has a financial score of XXXX or above. I then contacted XXXX and received documentation showing that their financial rating is XXXX and has a long term rating of XXXX. I contacted Navy Federal on XX/XX/XXXX and XX/XX/XXXX to resolve this issue. On XX/XX/XXXX Navy federal told me that their system is unable to process the homeowners insurance from XXXX. On XX/XX/XXXX Navy Federal stated the same thing that they previously stated, so I asked to speak with a manager. I was told that one will call me in 24 to 48 hours, and that they will request a review of my complaint. I went ahead and collected multiple quotes from other insurance companies, which the companies were either refusing to insure homes in California or their quotes were much more expensive with less coverage than my homeowners policy with XXXX. I have been with XXXX since XXXX, have multiple policies with them, and have never had any issues. I refinanced my home loan with Navy Federal in XXXX and have had issues with them for the full 3 years of the loan. I have the letter that was sent to me from Navy Federal as well as the document from XXXX showing their current financial score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way! 

dispute_item_and_explanation } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Please help there is fraud going on with Mr. Cooper Loans in XXXX, MI XXXX. They are trying to raise our Mortgage almost {$800.00} overnight. This is FRAUD! You have no right to come near the food that I put in my families mouth you scum bag gangster bankers. Mind your own business or pay of my home in full and drop my identity after. Turn yourself in for fraud who ever did it, you'll want to ensure that this never happens to another USA human being. We were sold by XXXX XXXX to this company. We called XXXXXXXX XXXX  from XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. I said victim of crime and took no responsibility for a criminal designed credit score. I only claim responsibility under the whole truth, I represent truthfully a perfect credit with no debt/no missed bill payments represented by USA FBI direction to open XXXX XXXX XXXXXXXX XXXX XXXX XXXX and to copy the Attorney General of California now to my home State Michigan. I keep getting charged for a criminal credit using my identity, police case stale was reported. Yet they continue to get rid of me and penalize me for an untruthful low credit that I did not design after the year XXXX. My whole case was not represented legally until year XXXX or late XXXX year until heroic Lawyer simply followed USA law for the first time. XXXX XXXX XXXX. of XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX, MI represents my cases in full and my missing daughter that was abducted by criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EdFinancial Services
State: TX
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:
In late XXXX I sent in my form online for mandatory forbearance as I am currently a XXXX XXXX. I was told id hear back in XXXX business days. I never heard back. I then called on XXXX separate occasions and the wait time on the phone was over XXXX hours. I left my number for a call back but I never got a call. I then sent an email explaining the situation and was told Id hear back in XXXX business days. I still have no heard back. My loan provider is Edfinancial. My loan payments are due on XX/XX/XXXX and there is NO WAY I can afford to pay them now which is why I need this figured out. Please help me because I literally cant afford this right now.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-21
Company: Professional Collectors Corp.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called professional collector corporation on XXXX XXXXXX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXXXXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the XXXX XXXX So who is reporting this bill to XXXX then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. Pcc is committing fraud by trying to collect on a bill that doesnt exist. This is my XXXX complaint to the cfpb. I even called XXXX and they said that I need to contact XXXXXXXX XXXX XXXX and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXXXXXX XXXX XXXX sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking XXXX bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the pcc is committing fraud by changing these bills and putting different amounts what is owed to them and XXXX. You will see that the XXXX and pcc are both committing medical billing fraud. There is XXXX bill that they added over {$240.00} in interest in only about XXXX weeks time. Also I sent these papers to the Wisconsin department of financial institutions and dealt with XXXX XXXX and the XXXX XXXX XXXX. Pcc still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXXXXXX XXXX XXXX and pcc need to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file. 

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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-11-28
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been with my mortgage company, XXXX XXXX XXXXDovenmuehle for over two years with NEVER missing or having a late payment. My interest rate is fixed at 2.875 % and will mature on XXXX The reason for this compliant is that is there is an error with my escrow account. As I informed you, I have never missed a payment or been late But my escrow account is a mess. I did change insurance companies briefly in XXXX but went back to my initial insurance company, sent XXXX the escrow payment of {$940.00} in XX/XX/XXXX which out my escrow account where is should be. XXXXXXXX XXXX has gone up from {$750.00} to {$870.00} because they claim there is a escrow shortage based on a forecast of my home insurance that has NOT gone up nor have my State taxes gone up. My Insurance company Rep called and received the same run-around. I have been on the phone all week, and none of the staff there can fix the issue or explain their process of forecasting. They increase my mortgage WITHOUT receiving the new home insurance policy that begins in XX/XX/XXXX???? I was told by multiple staff that my mortgage will go up every year??? I can understand that if State taxes or Home insurance goes up, yes a small increase will take place but not {$170.00}. I need help with this issue. I work 2 jobs, a XXXX XXXX  with a household of XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX and XXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681n-Civil Liability for Willful Noncompliance if these transactions are not immediately removed! 


I have uploaded my DL for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!

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 2023-03-07
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in full. I have been trying to have it removed from my credit report. Attached is proof. The original debt collector no longer holds this account but it is still showing on my credit report as balance owed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX issues with US Bank : - Merging online accounts ( account for credit card into account checking account ) - Rewards marked as XXXX % instead of XXXX % - Very low credit limit assigned {$500.00} for high 700 's credit score across bureaus - Check correct name spelling on account I have spend hours in vain with call center reps/supervisors across weeks. Zero action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my Equifax Credit Report, The XXXX XXXX XXXX ( Closed ) Credit Card Account, XXXX  # XXXX, is INACCURATE ; It contains ERRONEOUS Information. The XXXX XXXX XXXX Account is showing a Late [ Delinquent ] Payment for XX/XX/XXXXXXXX  in PAYMENT HISTORY -- See ATTACHED EQUIFAX SCREENSHOT. I CLOSED this Account in XX/XX/XXXX, and made my Last { IN FULL } Payment in XX/XX/XXXX. I have tried REPEATEDLY to DISPUTE this with Equifax Credit Reporting. Last month [ XX/XX/XXXXXXXX  ], I contacted The XXXX XXXX XXXX, through the Consumer Finance Protection Bureau ( CFPB ), and my own written correspondence. I am ATTACHING The XXXX XXXX XXXX Reply letter to this CFPB complaint. This Letter is PROOF that the XX/XX/XXXXXXXX  Late [ Delinquent ] Payment is ERRONEOUS. This Letter is also PROOF that Equifax DID NOT, and HAS NOT, conducted a THOROUGH INVESTIGATION into this matter. Per the FCRA, Credit Information MUST be reported ACCURATELY. This ERRONEOUS ( INACCURATE ) Account, on my Equifax Report, is ADVERSELY affecting my Credit. URGENT! -- I am ON HOLD processing a Credit Application until this matter is cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Affirm Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Affirm is the company I need help with. I placed an order with them on XX/XX/2022, the vendor was XXXX XXXX ( which I will also file a complaint about ). I ordered a white sofa that cam damaged and the level of install service advertised was not provided. The delivery driver was supposed to unpack and assemble the sofa and instead he just had me sign a blank screen and left. Once I opened box I noticed two pieces damaged. The major issue is that XXXX XXXX  has two conflicting policies listed on their website for their damage policy. The one in the FAQ 'S states that they'll replace or refund damage immediately. The one in the XXXX & XXXX 's states they can repair the item which I wasn't made aware of until after I received my order. I did not want a repaired sofa or a cleaned sofa by a furniture repair company, I wanted the brand new sofa I paid for. XXXX XXXX  refused to honor the police that I was directed to initially in the FAQ 's and said if I wanted to return it then I had to arrange return shipping and pay for it, plus a 15 % restocking fee!!! I disputed with Affirm and they stated that XXXX XXXX  sent them evidence of the policy listed in the XXXX & XXXX 's and refused to credit me, even though I sent then evidence of two conflicting policies on the XXXX XXXX website. I still have the damaged sofa, they can have it it just want my money back! Affirm has XXXX purchase protection for customers who use their service and I will never use them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX  and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 1XXXX XXXX locked out and I can not do anything about it and Equifax refuses to resolve the issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did a 30-day free trial of a new internet service ( XX/XX/2022 ). I was unsatisfied with the service, cancelled it within XXXX ( on XX/XX/2022 ) and returned the equipment accordingly ( within 30 days, equipment return confirmation sent XX/XX/2022 ). I contacted XXXX through online chat, phone calls, and I personally visited the XXXX store on XXXX XXXX in XXXX, CA. During the first calls, I was reassured that their system would register the cancellation with a little more time. After they started billing me again, I visited the XXXX store and spent around 2 hours. They said the problem was fixed. Now I am getting debt collectors emailing 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 2023-07-27
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX is the bank. I had a car loan with them that was included with a XXXX XXXX bankruptcy. That was discharged XX/XX/2021. Recently, XXXX has reported my loan as charged off for XXXX XXXX I filled a dispute with the credit reporting agency.. Experian. The bank says the info was correct. They are not allowed to collect on that debt since it was in bankruptcy. I'm concerned they are going to sell it. Also, this has caused a significant issue with my credit score dropping. Thank you for any assistance.

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 2023-01-18
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The specialized loan services didnt responde to my modification requested I did in XXXX until now they havent received any notice from specialized loan services regarding of my modification requested. Also Im received different letter from them to foreclose. Im received this letter from specialized loan services I feel treated me Because I got this notice without any update from my requested them to help me with other modifications. So until now Im still waiting from specialized loan services to responde my request of giving me a different modification terms. Now Im stressed about notice because the specialized loan services havent replied my modification.

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