BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
According to the Fair Credit Reporting Act, S

ection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

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: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NY
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:
This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX  {$7900.00} XXXX XXXX XXXX XXXX {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, My mortgage was transferred from XXXX to NationStar as of XXXX/XXXX/16. I been trying to get NationStar to begin reporting my mortgage account and payments to the Credit Reporting Bureaus. I have provided the signed re-affirmation order from the Court to Nationstar on numerous occasions. I have been told by NationStar Customer Representative that NationStar is reporting my mortgage. But this is not correct. Today, I just got the phone with NationStar Customer Representative. NationStar Customer Representative ask to provide proof that NationStar is not reporting. I have send credit report dated XXXX/XXXX/16 to NationStar. Furthermore, XXXX has removed my Mortgage information and payments from my Credit File resulting in a XXXX point drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-11-06
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXXXXXX XXXX XXXX  : Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Discharged : Reference # : XXXX XXXX XXXX  : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

XXXX15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military XXXX, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: ARC Management Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not been treat at XXXX XXXX XXXX. I Categorical deny owing this or being seen at this hospital. my car was stolen and had a few fraudulent transactions all have been resolved with the acceptation of this medical bill and apartment. I have lived at my current resident for 19 years,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: NATIONSTAR MORTGAGE LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
When we took out our mortgage, I did NOT want to deal with someone remote, so I took it out locally at XXXX mortgage. They were then acquired by XXXX when XXXX bought XXXX. XXXX then sold all XXXX mortgages to NationStar Mortgage ( who is clearly a con company ). So even though I specifically only wanted a local company, now I am dealing with a shady company that is XXXX of miles away. 

We recently went through major hail damage. I received a check from my insurance company ( XXXX ) and as per the norm, my mortgage lender has to endorse the check. We have damaged shingles, and I needed to get my roof done ASAP to keep from further damage. When I received the check, I overnighted it to the address they had on their website. That was 3 1/2 weeks ago. 

They have done EVERYTHING in their power to sit on that money. They claimed we mailed to the wrong address ( even though I mailed to the address on their website ). They claimed they lost the check. They claimed they had to mail it from their XXXX office to their XXXX office. They then claimed they had to determine the validity of my claim, and needed insurance paperwork, and proof that I was repairing the damage, on, and on, and on. 

Today, we got a new excuse. ( remember, one of the lies was that it was being mailed from XXXX to XXXX ). Today, they said that the check was cashed in XXXX and has been sitting in a savings account there for 3 weeks, and now they have to wire the money from XXXX to XXXX so they can issue me a check. 

CLEARLY this is fraud. They have lied to me several times, further compounding the fraud. They are CLEARLY doing this just so they can collect interest off of my loss. This is despicable and immoral, and really should be illegal. Why are they allowed to collect interest on money that is NOT theirs. And they are doing this by overtly lying to me, and delaying me. 

I have since had my roof repaired, and I have to keep passing these lies to the contractor, because I do n't have the money to pay him. Now, he is starting to accuse me of trying to con him, because he also sees that the lies do not add up. What happens if he fines me? What happens if he files a lien on my home? All of this because this mortgage company is so XXXX greedy that they have to sit on my insurance money so they can collect XXXX $ in interest? 

This type of practice CAN NOT be allowed to continue, because this is truly taking advantage of home owners in a tight spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: National Credit Systems,Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of t consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to make an advance payment on my mortgage. When I have extra funds, I like to get ahead on my regular mortgage payments. I was already XXXX months ahead and Loan Depot refused to accept any more advance payments. When I called, they said they have a " new billing system '' that can only accept XXXX advance payments on a mortgage. 

This limitation is outrageous. Since when are consumers prevented from making payments at any time toward their financial obligations? Companies complain people are late on their payments and then when people want to pay to get ahead, they refuse to accept the funds. Frankly, it's a criminal manipulation of the consumer. 

And we are in a XXXX XXXX  with advanced AI system on the horizon. Loan Depot 's " system '' is incapable of accepting more than XXXX advance payments? If so they should file bankruptcy and find a new business to entertain themselves. And I NEVER want to hear Loan Depot or any other financial institution whine about how all their customers are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Firstly, this is a new complaint against the same mortgage company ( Nationstar ) as my first complaint was. 
In my first complaint ( XXXX ) I outlined the tardiness of Nationstar in completing the foreclosure on the property at XXXX, MN XXXX, a Condo. 
After my separated wife stopped payment in the XX/XX/XXXX, Nationstar appropriately notified us of a foreclosure action on XXXX XXXX, XXXX. My wife abandoned the Condo in XX/XX/XXXX-XX/XX/XXXX and later called to the bank to notify them that she was stopping the payments of the gas & electricity. Nationstar did not proceed forthwith to complete the foreclosure until the Sherriff Sale in XXXX XXXX ( Over three years ). In the mean time Condo Assn Fees, Late Fees, Attorney Fees and Assessments were accumulating. I just left the District Court with a Judgement against me for {$10000.00} due to their tardiness in proceeding with the foreclosure. Had they executed in a reasonable time, the damage would not have been so great. What would have been a reasonable amount is now a hardship. In addition, in my first complaint, I reported that the Nationstar management company was inept in protecting the Condo and in XXXX XXXX when I learned of the Zombie Home situation, I re-entered the Condo with the idea of renting it someone who could at least pay the Condo Fees. What I found was XXXX busted pipes from freezing, which cost {$3000.00} to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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:
On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, Experian, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.

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 2023-07-08
Company: Southwest Credit Systems, L.P.
State: GA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that XXXX XXXX XXXX XXXX has reported this account as a charge-off and that XXXX XXXX was obligated to send me a 1099C form. I have called XXXX XXXX XXXX XXXX and have written them several times to no avail Has this company sent me this documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is the servicer on my loan and makes payments from the escrow it holds for taxes and insurance. 
My insurance agent sent on XXXX/XXXX/XXXX a certificate of insurance for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and an invoice in the amount of {$4300.00} ( copy enclosed ). This invoice was not paid by Nationstar until XXXX/XXXX/XXXX ( proof enclosed ). In the interim period on XXXX XXXX, XXXX Nationstar issued a check number XXXX on a false and fraudulent invoice to a XXXX and check cleared XXXX/XXXX/XXXX. I finally got this payment information from Nationstar on XXXX/XXXX/XXXX after many calls and complaints. I was also given the policy number XXXX and the general phone number for XXXX XXXX XXXX ( XXXX XXXX XXXX and the accounting department XXXX XXXX XXXX and told to contact them for a refund. I have contacted that number and been told that the agent is out of the office and will return my calls. I have also requested from Nationstar a copy of the certificate of insurance issued by XXXX XXXX for the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and none has ever been produced. 
I only became aware of this double payment when I was doing my income taxes for XXXX in XXXX XXXX and noticed on the prior escrow analysis ( copy included ) that Nationstar paid out of escrow {$4300.00} in XXXX XXXX and {$4300.00} in XXXX of XXXX. I had never received any notice from them regarding my property insurance after they double paid. Basic escrow management of insurance disbursements were ignored in a negligent manner. If I or my insurance company had been notified in XXXX of XXXX regarding this double billing we would have solved it. Since this double payment was a result of their negligence to follow basic requirements I should be reimbursed for their error and proper adjustment made in their procedures to avoid having this happen again. I have no idea who this XXXX XXXX XXXX is and never authorized their coverage. Nor should it be my responsibility to unwind their error and seek the reimbursement myself. 
This sloppy management gives my concern that Nationstar has far wider problems with servicing their loans and escrows and should be investigated further to get at the source of this mistake and if this is a systematic source of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently paid off my full balance account to capital one however I got charges for interest payment when my balance was XXXX

Company response to consumer: Closed with explanation