BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

Regards, XXXX  XXXX XXXX XXXX XXXXXXXX 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 2017-07-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NationStar mortgage called me on X/XX/17 with an offer to refinance my ARM mortgage. Spoke to XXXX for over an hour inquiring in about the rates, terms, closing costs of the HARP eligible refinance. Based on conversation, it sounded like a good deal to move forward to so I agreed to have my credit pulled to continue further ; however, once that was done, the conversation felt very much as bait and switch ; each rate quoted was at the top end and the closing costs were double the original discussion AND for the first time Points were mentioned. Prior to this, for the full hour, there was no mention of points at all. When I called this out, as a bait and switch, XXXX went silent, tried to defend himself, and then ultimately hung up on me. Now my credit file has bit hit with a formal inquiry, I 've wasted time and it feels very much like a bait and switch, unfair and abusive act practice of this mortgage company that has had these type of problems already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX 2016 my house was up for foreclosure auction. I have been trying for years to get a lower mortgage to save my home. I have suffered financial hardships and proven them to the lender. They had no desire to help me save my home and have offered no help. I have complained about the lack of help before but nothing changed. Anyway I filed an emergency chapter XXXX bankruptcy to stop the foreclosure sale and was successful. I wanted lender to have more time to go over my latest refinance packet. I have the stamped piece of paper with a case number to prove that I filed before sale. I heard nothing from lender. Recently a notice appeared on my door telling me that I needed to vacate my home. The paperwork said that Nationstar bought my home back on XX/XX/XXXX and sold it the same day to an unnamed party. Both sales should not have happened. Nationstar knew about the chapter XXXX but proceeded with sale anyway. I believe they broke the law. I already believe they have unfair foreclosure practices. This was a new low. They are very crooked and very disorganized and very sneaky. The stress sometimes gets unbearable. Nationstar thinks they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
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: Old information reappears or never goes away

Complaint:
This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.

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 2017-08-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX 2017 i called to cancel my payment because I ca n't pay. The agent kept asking why I ca n't pay. I told her I 'm switching jobs and want to call back when I for sure have the money. She then said she can delete the payment. She asked if they can call me. I said no. She then said " Collections efforts will still continue '' which I felt like was a threat. I was planning to call back once I did my budgeting and possibly pay the balance this month, but the way I was threatened, I do n't want to.

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 2021-12-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has yet to mail me a report regarding issues of wrong addresses and and personal information on my credit report Equifax every few months add wrong address or several of the same address or bunch phone number that are not my phone number and employment not updated I did not request a credit score just a complete report to see if the information been corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-05-14
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MO
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:
My past complaint XXXX I stated that my Equifax report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed with transunion 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after transunions dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is XXXX credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from XXXX credit card

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 2023-07-27
Company: Experian Information Solutions Inc.
State: AZ
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-09-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been attempting to resolve this for nearly 8 months, I have spoken to branch managers, telephony support, XXXX XXXX and recovery department. I have been with US Bank for over a decade. This was a secondary accounts used by my son, I was actively working to resolve and the bank closed the account and sent my account to collections within a week and added a negative marking to XXXX XXXX. 

I have made several attempts to pay this balance and get the marking on XXXX XXXX removed. I have over a decade banking relationship with US Bank, and have not be treated as a long standing customer. There has been little attempt on the bank 's behalf to resolve this. This has been ongoing for 7 months.

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 2017-06-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am attaching a lawsuit which was filed recently. It shows how Nationstar is illegally trying to foreclose on my property. I have hired a fraud investigator and expert witness to investigate their wrongful acts and the investigation is ongoing. They responded to my last CFPB complaint with the attached letter sent to my attorney, XXXX XXXX. Every time I ask who owns my loan, I get a different response which tells me that it is all fraudulent and they just make something up each time, hoping to pass the liability onto someone else but as you can see by the attached documents, it is all a big fraud. XXXX XXXX sent them an authorization which I signed along with the letters that she sent to Nationstar which allowed her to receive their response to her letters. She received the return receipts to all of her letters sent to Nationstar. However, in their reply, they said that they did not have the authorization. This is not true since they signed the return receipts which XXXX XXXX received and I have attached them here as well. In the letter dated XX/XX/XXXX that they sent to my attorney, XXXX XXXX, it says that XXXX XXXX is the owner of my loan, however in the letter dated XX/XX/XXXX that they sent to XXXX XXXX it says that XXXX XXXX is the owner of my loan. Both letters are attached here. I still do not know who owns my loan. In item 5 of their letter to my attorney, XXXX XXXX, they said that four loan modification reviews were denied due to the request being incomplete. This is another lie. I provided all documentation requested numerous times. They continually lost the documents, changed the single point of contact and made me send in the information over and over again, wasting time and using a false reason to deny a loan mod. In item 6, their accounting was incorrect and I made every payment since the XX/XX/XXXX loan mod and I have all of the cleared checks. They claimed I did not make insurance payments which was not true as I can prove that I made all of those as well. The only reason I went into default was because they started sending the payments I was making to them back to me. I could never reach a person who could get this straightened out. I have notes on all the times we tried to reach a live person who could explain what was going on but the single point of contact would never return my calls. I even paid an attorney to try to figure it out and he was also not able to get them to explain to him why they were saying I was in default and explain their accounting. He told me I needed to sue them. People should not need to go to court to get a correct accounting and find out who owns their loan and where the money that I have paid has gone. Nevertheless, after trying every other way, it seems that is what is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-09-29
Company: EQUIFAX, 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:
Under the Fair Credit Reporting Act 15 USC 1681 section 602a, which mandates fairness, impartiality, and respect for consumer privacy by consumer reporting agencies such as Equifax. I assert my right to safeguard my private information as supported by 15 USC 6801. Furnishers of information to credit agencies, being financial institutions, must respect customer privacy and security according to the same title. However, they have not obtained my written consent, as required by 15 USC 1681 section 604a ( 2 ), to furnish this information. Additionally, 15 USC 6802 ( b ) ( c ) obliges financial institutions to inform consumers of their nondisclosure options, which was never done in my case. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information without consent, which Equifax is violating. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e dictate accurate information reporting and reasonable procedures maintenance, which Equifax is not complying with. Finally, 12 CFR 1016.7 grants me the right to opt out at any time, which I am exercising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: SN SERVICING CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a covid forbearance that expired in XX/XX/2021. I start payment my current mortgage to a new servicer once my mortgage was transferred from XXXX to XXXX in XX/XX/2021. I was told over the phone that my service XXXX could not put the forbearance amount to the back of the loan or Modify the mortgage because it was sold starting in XX/XX/2021 to SN Servicing. A payment was sent to SN Servicing for {$10000.00}. my next payment would be in XX/XX/2021. I was told from XXXX of Sn Servicing to complete an application for Modification for the outstanding amount of what I owed from the modification. I tried to make a payment on SN Servicing 's website and was unable then I called and spoke to XXXX whom told me that they were not going to take my payment unless I pay {$24000.00} or a payment arrangement of {$14000.00} and {$4400.00} each month and the modification was denied. I have no idea who owns my mortgage and was never notified by mail. I believe the mortgage is doing some fraudulent activities. 
Could you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX  have violated my rights, they are reporting late payment to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. I have reached out to XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX  they have yet to reverse the late payment or report it OK I also sent letters to XXXX, Trans Union and XXXX notifying them of the violation but they are still reporting the payments late as well 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have co-signed a loan for my son with Navient loan an I have made the payments since XXXX - I had been getting bills at my home which I moved to in XXXX - all of sudden I quit getting bills and find out they started mailing them to my old address that I have not been in since XXXX - my son had told me that he was going to begin to make the payments so I assumed this had happened - they started calling me about the payment and I made the payment right away- now very month they call me and even when I tell them the payment has been made they call me daily - they called me this week and told me I owed for 2 payments and I said excuse me when was the last payment rec'vd and she stated XX/XX/XXXX and I in fact did not ow for 2 pymts but only for the XXXX payment which I told them had been paid- they called me again today and I advised them they were told a pymnt was made and that they were not to call me- she stated they will continue to call me- I want the calls to stop they call me during my work day and it has got to stop - the late fee is not assessed until the 19th and they got the payment today-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Called in XXXX fraudulent charges immediately on XX/XX/2023. Total fraudulent charges from " XXXX XXXX '' totaled {$500.00}. The credit card company only took action on charges ( 3 ) charges totaling {$62.00}. I've called and reported the other ( 8 ) charges totaling {$440.00}.

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