BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: GA
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 reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from 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
Consumer complaint received 2016-09-03
Company: NATIONSTAR MORTGAGE LLC
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after XXXX years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Todd, Bremer & Lawson, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, I registered for an online course with The University XXXX XXXX XXXX but subsequently canceled my registration prior to the University 's deadline. I received written communication from the University acknowledging their receipt of my cancelation but they claim to have no record of it. I first received notices from the University requesting payment in XX/XX/XXXX and disputed the debt. I believe I received communication from XXXX debt collection agencies for the same account. Each time I received a notice, I would dispute the debt and each time I received no response for an extended period of time. I did not keep records of those communications, each time believing the issue had been resolved. 
Recently, I have been receiving letters from Todd, Bremer & Lawson , Inc., a debt collection agency, demanding payment. I have disputed the debt and twice provided them with documentation from the University proving that the debt they are attempting to collect is not valid. I have requested that they close the matter and provide me with a written statement that the matter has been resolved ( as they are at least the third entity with whom I have disputed the debt ). I believe they are violating the Fair Debt Collection Practices Act and would like to file a complaint against both the University and their debt collection agent and request assistance in reaching a resolution to this matter. 
I am uploading copies of each communication I sent them ( sent to them by my wife via efax ), the attachments that I sent with each fax, and a copy of the last response I received from them asserting that the debt is valid and that they will consider any future disputes " frivolous ''. I do n't know what to do and would truly appreciate your help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NV
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 looked at my credit report last month and saw a bankruptcy and several accounts that where associated with bankruptcy. Well i have never filed for bankruptcy. Me and my father have the same name and he has filed for bankruptcy. It might be his, im not sure but i definitely know its not mine.

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 2016-09-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage paid my property taxes two months late due to an initial incorrect property tax payment and then preceded to charge me for their mistake by adding an additional $ XXXX. to my Escrow Acct. They took two months to correct the XXXX. problem of the incorrect property tax payment, and after 6 weeks of numerous calls, e-mails, faxes, and letters they are still increasing my Escrow Acct. The person that I talked to acknowledged the mistake but had to send it to a committee and would call me back in 7 days. She never called back. Nationstar never calls back when promised. I will attach most of my correspondence. THANK YOU FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 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
Consumer complaint received 2020-03-06
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During last year someone open 3 American Express under my name. They open also a checking account under my name. Apparently payments where made. When I realized I notified AMEX. AMEX wrote a letter attached notifying me that I own the money to them. 
They have also submitted those account to a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2023, I was unable to open an account because of information provided to an institution by ChexSystems. When I requested online from ChexSystems a free copy of my report I requested the report to be provided to me online. However, after processing my request and taking all of my information ChexSystems informed me online that it " was unable at present to provide my report online and would be mailing me a report instead. '' I SPECIFICALLY DID NOT REQUEST a mailed report and, furthermore, can not at present be available in a timely manner to receive the report by mail, thus also creating security concerns for me as a report with much personal information is being mailed to an address DIRECTLY CONTRARY TO MY REQUEST FOR METHOD OF DELIVERY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019, attempted to online ACH transfer {$50000.00} from my Ally Interest Checking account to my XXXX XXXX ( have done this in the past without issue ) ; was unable to and called into their Customer Care ( XXXX ) ; Customer Care told me it would take 1-2 business days to resolve. Provided case number XXXX for tracking. 

XX/XX/2019, called into Ally to check on progress of case number ; was told they had never seen this issue before and asked me to confirm I wanted to ACH transfer to my XXXX account they had on file ( I confirmed ). They offered a wire transfer, but I requested the ACH transfer be fixed instead as I did not want to go through a wire each time. 

XX/XX/2019, called into Ally to check on progress, was transferred to their " Back Office '' which handles fraud. Back Office informed me there was no hold on my account that would indicate any issue and that they could not help me. Transferred me back to Customer Care and ask for a supervisor. Supervisor also confirmed they had never seen this issue before and that it would take another 3-5 business days to fix. This is unacceptable to me so I requested a wire transfer from my Ally Interest Checking account to my XXXX XXXX account. Issue is still unresolved.

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 2023-08-23
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2023 made a refrigerator purchase using the Home Depot Credit Card using the deferred option plan- On or about XXXX XXXX- I made a payment for the entire amount of the purchase although it was made on a deferred payment option- On XX/XX/XXXX I cancelled the purchase - Home depot is refusing to put the credit back on my account although - The original purchase was made on a deferred payment option and the order was cancelled prior to the delivery date of XXXX- I requested them to apply my payment yo my credit card and they refused to issue my credit stating that they need to make sure that the order was cancelled which could take up to 30 days? Even if the order was not cancelled how can they hold my money without crediting my account for this payment- in addition since I made other charges my account balance reflects a payment due from those charges- without subtracting the credit balance- I spoke with a supervisor in the credit card department and he refused to issue the credit- XXXX at ( XXXX XXXX XXXX I believe this should also be a legal issue of a credit card company holding onto money without posting it to my credit card balance- I want a refund by the end of the week so that I can utilize my money for what I choose Order # XXXX Invoice # XXXX XXXXJob Name : XXXX | Order Origin : # XXXXXXXX XXXX Payment : ConsumerCreditCard - XXXX Order Total : {$2300.00} In-Store Purchase Completed XXXX XXXX Ordered XXXX XXXX Canceled 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 explanation
Consumer complaint received 2022-10-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX passed away XXXX XXXX I sent her death certificate to discover this XXXX credit card I told discover that my mom passed they said that credit card was clear and they closed the account well a year later discover sent my mom XXXX XXXX to XXXX and the lady wanted to know about my mom 's estate she doesn't have any I'm not on her account I told this that she can not sue a dead person and why did they wait a year to say something the lady hung up on me. Now this needs to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorize anyone to share my information. Please remove it from my report. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting 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 2023-08-30
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

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 2016-06-07
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern, I was looking over my parents mortgage papers, and noticed that when they bought there house they first time buyers and the mortgage company they went to was XXXX XXXX, there house was priced at {$87000.00} with a down payment of {$3200.00} which leaves them financing {$83000.00} at a 9.347 % interest rate on the loan, looking over the papers, I discovered that they charged them a finance charge of {$160000.00} which is more than the asking price, the total loan ended up coming out to be {$240000.00}, which is almost more then double the price something is n't right here, and something needs to be done about this, they bought there home back in 1996 and still paying off this huge loan when really the house should be paid off, the real loan total should have been {$91000.00}, also in the matter they had a lawyer present through all of this, but looking through the papers his signature is no where to be found on any of the documents, My father would like a reduction on his left over balance of what he owes because this company fraudulently took advantage of them and something needs to be done, the reason we were looking through the papers was my Dad had to refinance through HARP at the time he had a 30 years fixed rate, but he thought he could do better through a HARP refinance. which he found out not to be the case, he thought he was getting a 30 year fixed modification at his age of XXXX years old, that would have been appropriate, the modification was done through XXXX XXXX, they had a program called the XXXX step which part of the loan was at 2.5 % interest and the remainder portion was at 3.0 % interest, but it turned out that was n't the case, he thought the HARP program was going to help but he came to find out that they gave him a 40 year mortgage instead they broke it down to XXXX different percentage pay scales, his intent of getting the modification was to get a 30 year fixed. he did n't want his mortgage to go up, he wanted it lowered because of his age, so he basically went from the fringing pan to the fire by getting his loan modified, being a trusted soul I thought that everyone would do right by him, because of the modification he will not be able to afford it when they do the next bump up on the interest rate, bottom line is that HARP does not help it hurts and needs to be fixed, the total mortgage process has be traded him, That we are seeking justice for all of this.

Company response to consumer: Closed with explanation