BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF XXXX XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-03-02
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, cancellation of PMI was requested. I have not received any information regarding my request. I requested that my account be created since I am a survivor in interest on the account. I have no means to log into my account and check any balances. This is the worst mortgage servicer!

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 2023-10-12
Company: EQUIFAX, INC.
State: MD
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  : XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Equifax : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Our house burned down on XX/XX/2016. We were covered by XXXX, who, according to the terms of our policy, sent most of the money to our mortgagor. XXXX Mortgage XXXX received {$190000.00} of our money. XXXX held on to our money for a month, never releasing it to us, then sold our mortgage to Nationstar Mortgage. I had to go through the whole process again to get my money released to me. In the meantime my builder was ready to walk off the job of rebuilding our house because he was n't getting paid. I finally got all of my money except for {$7800.00}. Nationstar said that they had to send out an inspector to " protect their investment. '' I advised them that the house was completely rebuilt and that I had a XXXX of XXXX. They said they could n't trust that!!!!! The original inspection was ordered on XX/XX/2016 ; I was never called. On XX/XX/2016 I called again and was advised that the inspectors had our wrong phone number. I told them to call me on my cell phone since our house phone was set up yet. On XX/XX/2016 I called again and was advised that no one answered the phone to set up the appointment. The number they were calling was our old house number that was disconnected. I was assured that the inspector would call us to set up an appointment on XX/XX/2017. As of today, I have not received any calls. These inspectors are not capable of making a single telephone call, how are they capable of doing an inspection? The way we have been treated is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened an account and closed it shortly after. In person. I signed papers. Now I'm receiving emails saying I have a credit card or an open account. I have called these people several times in my city and they don't answer the phone. I don't know what else to do.

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 2022-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AES/PHEAA
State: NY
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 sum, my account has been in forbearance since XX/XX/XXXX and no period since then should be excluded under TEPSLF and the CARES Act. 

I applied for forbearance in XXXX of XXXX. Under TEPSLF, I understand that more than 12 months of forbearance would have allowed my period of forbearance to be counted as eligible payments. However, because of the COVID-19 moratorium on payments, FedLoan is not counting the 10 months ( XX/XX/XXXX through XX/XX/XXXX ) I was in forbearance as eligible payments even though they should be since the COVID-19 moratorium was imposed unilaterally in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Account status incorrect

Complaint:
I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my XXXX  is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. XXXX. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Account status incorrect

Complaint:
I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my XXXX  is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. Period. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.

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 2023-07-12
Company: Experian Information Solutions 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:
The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( Experian, XXXX, XXXX ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See attached

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 2017-01-09
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home in XXXX was destroyed in the XXXX XXXX wildfire and we received an insurance check of over {$280000.00} for the loss. It was made out to our mortgage company, Nationstar Mortgage, my husband and myself. We signed it and sent it certified mail and it was received on XXXX XXXX. We noticed it was posted to our account on the XXXX as a credit but the balance of the loan was still the same. We called and went through all kinds of hoops to talk to a customer service supervisor XXXX XXXX XXXX and she said it could NOT be paid off because they could not find the notarized mortgage affidavit that we mailed along with the check. I know it was in the letter because I folded it up and placed the check inside for security. My husband told them it better be paid off and they better stop charging us interest. The supervisor said she would keep up informed and call the following day but we never received a call or any other information. The loan balance of a little over {$95000.00} was paid off on XXXX XXXX but we have not received the balance due us of over {$180000.00} dollars or heard anything from anyone else at Nationstar. They have had the money for two weeks tomorrow and nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BC SERVICES, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt collection notice from BC Services, based in XXXX, CO for a bill that I did not know about or believe that I owed. The letter did not include any notice that I had a right to dispute the debt, or any instructions on how to do so. Luckily, I happened to already know that debt collectors can not charge a bill without providing proof of the debt, and I took action immediately by contacting the company by email and paper mail to request written proof of the debt. I also spoke to a BC Services representative on the phone who told me the company could not provide any information and it was my own responsibility to contact the creditor, the Colorado Department XXXX XXXX directly and figure out what the bill was for- which is not the case. The first " verification '' of debt I received was a simple account statement from the CO XXXX. of XXXX that contained no information about what the bill was for or evidence that I owed the money, which was the specific information I had asked for. Only after writing and emailing four times between XX/XX/XXXX and XX/XX/2022, the last email including a threat of legal action, did I receive a helpful response from BC Services. At that point, my request for proof was finally forwarded by the company to the creditor and I received written documentation of how the debt originated. BC Services did not inform me of my rights from the start, and did not take responsibility for providing real evidence of the debt until threatened with legal action- hardly fair practices.

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 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: AES/PHEAA
State: NJ
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:
Fed Loan Servicing received documentation on XX/XX/22 for XXXX application employment qualification. Fed Loan Servicing responded with incomplete answer and did not review the material properly. This same employer has been qualified in prior attempts. Employer directly reached out to Fed Loan Servicing on XX/XX/22. They stated that there we " working on it. '' This same exact process ensued last year and required CFPB intervention for the matter to reach resolution. Their delays have had significant financial implications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Mr. Cooper Group Inc.
State: TX
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:
Their toll-free number doesnt allow you to speak with anyone at Mr.Cooper Mortgage when going through their IVR. Puts you in a continuous loop then hangs up. Feels very predatory when Im unable to reach a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Computer Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from CCI saying that I owed money to XXXX XXXX under an account that does not match my XXXX accounts. I used their online form to dispute this bill, asking for details about date of visit and providers seen. I think I got a follow-up letter saying theyd research and get back to me. I didnt bother to write down dates or details of these letters because I assumed that more information would come, or theyd figure out the source of their error and drop the matter. 

I received another letter dated XX/XX/2023 saying I still owed {$25.00}, still with an account number I dont recognize. The letter said more details could be retrieved from their website using a reference number. This document was one long rephrasing of the demand letter, with a link buried in the wall of text to get the details. That link said the bill was for a visit on XX/XX/2023. 

I looked at my XXXX records online, and saw that was a date I had a telemedicine visit with my XXXX doctor. Then I looked at my XXXX XXXX  HSA records and saw that I paid {$25.00} towards that bill on XX/XX/2023. 

I have no idea how a 19 day old bill got sent to CCI for collections, but also am annoyed that they cant be bothered to check that it was paid months ago, even after disputing the amount with them. 

Why cant they get the correct account number on their collection letter? Why cant they include the details necessary to match the debt to a specific bill in the letter, and instead have to visit their website and dispute it? Why cant they respond to disputes with documentation, instead of sending another collection letter? Why does their web form not include the 1 line of information that documents their claim, instead of obscuring it with a link? It seems they do everything they can to get you to pay them rather than to justify why you owe them.

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