BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX CAR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX CAR was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Real Time Resolutions , Inc which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from XXXX  XXXX XXXX. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. Real-Time Solutions along With XXXX XXXX  XXXX  failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$23.00} XXXX XXXX XXXX XXXXXXXX Balance : - U S DEPT OF EDXXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2023 I apply for checking account i was told no because of 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 explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2015-10-03
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX, I called Nationstar Mortgage to make my XX/XX/XXXX mortgage payment. The representative told me that there is {$2500.00} unused ( un-applied ) funds in my account. The only payment I needed to make was {$3000.00}. I made that payment plus a {$19.00} service fee for making the payment over the phone. The payment was never applied to my account because when I made the XX/XX/XXXX payment on XXXX/XXXX/XXXX, Nationstar Mortgage applied it as XX/XX/XXXX payment. I received a letter XX/XX/XXXX to contact them if I have trouble paying my mortgage. I got alarmed and called them on XXXX/XXXX/XXXX. I was told that my XX/XX/XXXX payment was not made and what I paid in XX/XX/XXXX was in fact for XX/XX/XXXX. When I explained about the {$3000.00} payment in XXXX and the {$2500.00} of unused funds, the representative was able to confirm it and said that they would correct the issue. On XXXX/XXXX/XXXX, when I received my credit score, I noticed a drop in my score. When I pulled my credit report, I noticed that they reported a 30 day late for XX/XX/XXXX and they never fixed the XX/XX/XXXX paymentFurthermore, I noticed that they reported 120 days late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nationstar Mortgage received the servicing of my mortgage starting XXXX XXXX. They have received every single payment on time and should not have reported 120 days late to the credit agencies. The payments starting XXXX XXXX until XXXX XXXX are as follows. As shown, there is no late payment since the loan was Nationstar:XX/XX/XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXXXX/XX/XXXX Payment of XXXXWhen I called Nationstar, I spoke to an agent for one hour and he found the problem, but dropped the call before fixing it. I called again and after another whole hour, the agent said that he is transferring me to account resolution and instead of transferring, he dropped the call again. When I called back the customer service was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX I had requested a refund for payments made during the forbearance period, totaling in XXXXXXXX with my previous student loan servicer, XXXX, to which original payment was made in accordance with the CARES Act Without notice by mail or email, I had come to find that my loans were transferred from XXXX to Aidvantage on XX/XX/XXXX by calling into the XXXX Customer Service call center. In this same call, XXXX informed me that they could no longer be of assistance as my loans were no longer serviced by them. 

Since, I have contacted Aidvantage several times a month only to find that my loans have still not fully been transferred over despite the announcement on XX/XX/XXXX that all borrowers have been transferred over XXXX XXXX XXXX XXXX  ). Likewise, over 3 months from my initial request, I have yet to receive my refund, nor do I have access to view my account history with either XXXX or Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: KY
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 have provided police reports and identity theft reports to have a fraudulent XXXX XXXXXXXX account ending in XXXX removed from my credit report I did not open this account and have no knowledge of it I have provided all required documentation as required by the Fair Credit Reporting Act with no resolve

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 2023-05-04
Company: Brightfunders, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This all started when I was granted a deferment/forbearance with my Mortgage company ( Lower Mortgage ) back in XXXX XXXX XXXX. This was due to medical issues and was to defer 4 months of payments ( XX/XX/XXXX through XX/XX/XXXX ) and would be added to the back end of the Mortgage loan. Each month I would receive a statement, the statement for XXXX stated I was past due, so I called the loss mitigation department at Lower ( the department that granted the deferment ). Every time I called they said that it was a mistake and that they would take care of it. This happened for the next couple of months until the reinstatement process happened and when I made my normal mortgage payment in XX/XX/XXXX the XXXX statement showed current. I then checked my credit report and noticed that it dropped nearly XXXX points due to the fact that Lower collections department sent in to the credit bureaus that I was past due. I called Lower, they admitted the mistake but said there was nothing that they could do and I would have to straighten it out with the credit bureaus which I did. I filed disputes with all 3 agencies ( XX/XX/XXXX ) and was able to get my credit back to close to where it was prior. Now in XX/XX/XXXX I checked credit report again and noticed a XXXX drop. This was again due to Lower submitting a report of missed payments to the credit bureaus. I tried to login to my account and am unable to, a notification comes up " please contact support your account status is limiting your access to additional information ''. I called the number XX/XX/XXXX ( collections department ) they stated that they were showing that I had not made a payment since XXXX XXXX  XXXX which they again admitted an error. Also had a representative from Lower show up to my house on XX/XX/XXXX to verify that I lived there. I have contacted Lower just about everyday since XX/XX/XXXX to see if they have rectified their error and every time they don't know why it is taking so long and that they email their manager. Every time that I ask to speak to a Supervisor or Manager they are either " too busy '' or " are only going to tell you the same thing that I am telling you ''. I have not received any emails or phone calls from them stating that my account is past due and all of the mailed statements from Lower show that I am current. Don't know how they make an error like this and why it takes so long for them to correct it.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.

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 2020-01-07
Company: Eagle Recovery Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a medical bill for XXXX sent to XXXX in XX/XX/XXXX. I paid {$30.00} on it, never heard back from them. Received a notice from Eagle Recovery Associates in XXXX of XXXX for the amount of {$68.00}. I was working on paying off a medical bill with Eagle in the amount of almost {$1900.00}, which I just paid off. I gave permission to have them deduct a monthly amount of XXXX until it was paid off. They called me and said I owe the {$68.00} last week. I told them I pd XXXX in XXXX of XXXX on that and never heard back. I sent Eagle a certified letter with a copy of the check payment for the {$30.00}. They took another {$50.00} out of my account for THIS bill and never had my permission, the arrangements were for the large medical bill and it was paid off, NOT this bill for the XXXX. I have copies of every letter, bank statement and proof of payment and now telling me I still owe XXXX?? I want my money refunded that they took from my account without my permission for one. And for the over payment.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-02
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a request for mortgage modification from my Nationstar Mortgage and I am into the 3rd and final month of trail modification awaiting new loan. I found yesterday from my home insurance company ( XXXX ), after I notice they have not been paid by Nationstar and we called to see why. I have left several messages for my ever changing " Dedicated Loan Specialist, '' who is now, XXXX XXXX ( XXXX ) but, have yet to speak with her. Her assistant call me and I attempted to call back at number provided, but of course no one answered. Get to the point, my insurance company was told by a Nationstar representative that they were going to forclose on my home and they do n't intend to paid escrow insurance payments to them. They never intended to give me a modification! They are valuing my house at {$320000.00} and I had an independent real estate company pull comps and they determined that our home at max is worth {$100000.00} on today 's market and that they suggested it be listed at {$94000.00}. I sent all info since they said assumed the value at about {$160000.00} initially. Well if that is the case then why are you basing the modification loan at {$320000.00}? Also, I had asked who is my lender and they would not give me a straight answer. I am still trying to find out who actually brought the foreclosure or if even they had the right. It was not XXXX XXXX the trustee and it was n't Nationstar the servicer. The court just walk over the issue and allowed this to happen without have them produce valid proof. We did not sign anything in bright blue ink! Loan documents or at least ours, was done in black! I do n't believe that there assignment docs are in order either and I have been unable to get copy. That was part of my formal request to them to know who the real lender and holder of my mortgage was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have notified EXETER finance on several occasion that the account does not belong to me and its fraud on my account, which they have chosen not to remove from my credit report. its in charge of status on my credit report and the past due amount is {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Newrez corporation is reporting a loan payment as late when it wasn't. There was a clerical error that easily could have been adressed by NewRez if they wanted to but Newrex decided that the payment was XXXX days late and past XXXX  days was late. On XX/XX/XXXX, I electronically sent a payment through my bill pay system to Newrez and they dedided not to process it in time and instead at XXXX time decided to go out and try to harm my credit and all they wanted to do was to make sure they received a late fee, But, that's not all. They lied as said they tried to give me a heads up by phone, which was false. They did send a letter on XX/XX/XXXX that arrived on XX/XX/XXXX, so that I didn't have a chance to correct the error in time. I told them that I was on a fixed income and was retired and damaging my credit would really hurt me. And even though I immediately via phone sent another payment to Newrez at XXXX the day I received the letter, they're rude customer service didn't care.Their strategy is to harm your credit, so they you can go to another company and they can then practice preditory loaning practices, I will lastly add that I have perfect credit and was never late on payment to them, DO NOT DO BUSINESS WITH THESE GUYS!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Management Service is aggressively attempting to foreclose on my home. I was diagnosed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I informed Rushmore Loan Management Service of my medical issues and that my income would be reduced because of treatment and hospital stays necessary to keep me healthy until I can find a XXXX  XXXX. Rushmore Loan Management Service has not provided me with any assistance, in fact, they have been relentless in moving forward with foreclosing on my home. My health has continued to decline because of the stress of the foreclosure. In order to relieve the pressure of this I decided to sell my home. I received a ratified purchase contract and because of this, Rushmore Loan Management Service suspended the foreclosure sale scheduled for XX/XX/XXXX. The sale of my home was scheduled to take place on XX/XX/XXXX. Rushmore Loan Management Service upon canceling the XX/XX/XXXX sale immediately placed another sale date on record for XX/XX/XXXX. Once again, providing stress and pressure to an already heartbreaking situation. The purchase contract allowed for a 15-day extension, which the purchaser exercised. Rushmore Loan Management Service was made aware of the 15-day extension which was provided in the initial agreement; however, Rushmore Loan Management Service has denied removal or postponing the XX/XX/XXXX, sale date. They continue to use pressure and underhanded tactics to foreclose on my home. Their actions are borderline criminal or certainly could fall under the Dual-Tracking law. I also sent a Qualified Written Response in regard to my loan with Rushmore Loan Management Service. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ever since my loan was transferred from XXXX to this lender Nationstar there have been major discrepencies in the billing. For many months they would send a bill that i owe {$25000.00}. and another month stating something different. I have a loan modification agreeme nt since XX/XX/XXXX. But it seems like Natiotnstar is attempting to change my modification without my consent or official acknowledgement. My modification, which was signed by me and XXXX should be in effect until XX/XX/XXXX. In XXXX, i fell upon financial hardships and i missed XXXX payment. Hence, in XXXX i mailed XXXX payments to rectify and catch up. both payments have been cashed ( i had to pay post office to do research ) both money orders have been cashed via their records. Hence the payments havent been posted. When i called Nationstar ( mostly bc during my bankruptcy, they kept sending me collections via certified mail ) so i called to get some answers then i was informed that my mortgage payment has been DOUBLED. When i call every time i receive differnt answers, XXXX answer was my home insurance was increased, i called state farm ( my insurer ) and they only increased by {$110.00}. Then i was told that XXXX made error in their calculations years ago. I have requested several times for a copy of my modification, a copy of these increases and a copy of changes being made. I have not recieved anything i requested. I would like your help in this matter. I would like a copy of necessary documents and a ledger of all transactions made between me and this lender. I dont really like how they are doing business. I feel like they violated the banckruptcy terms and i would like the XXXX lien, to be stripped via the bankruptcy. this home is underwater. I am being harrassed and hoodwinked. i am poor but i do need a home to live in and i ffeeling real comfortable making my payments prior to getting with Nationstar. they are causing me undue stress and it is affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: PA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation