BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: MARINER FINANCE, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX of 2022, I called mariner finance to figure out how much was owed to pay my loan completely off, the rep informed me that she can defer the payment for XXXX and I would be completely paid off. The rep took a future payment on recorded line and reassured me that it will be my final payment. However, it wasnt in XXXX I was harassed by several employees stating I owed XXXX $ I was unaware that it was late fees. On top of that they charged me another XXXX on top of the XXXX late fee that was owed. I had called head quarters to file a complaint ant the rep was rude and said she can not waive any late fees and I told her I was calling to complain not to be assisted. It was so bad that I had to disconnect the call. Its already bad we have payed back almost XXXX in interest charges for a loan that was on XXXX XXXX I thought it was illegal to charge a late fee on a late fee when a loan is paid in full??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: VA
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 acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXXXXXX XXXX XXXX XXXX  acc XXXX XXXX Bankruptcy chapter 13 reference # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Dept of Education has 8 late payments listed on my credit report. During this period I was contesting the amount owed with DEPT of ED. The amount owed listed on my credit report is not the payment balance I am mailed each month. The amount is still incorrect and so are the late payments. These late payments listed are violations of FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NV
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:
I recently received a copy of my Equifax and XXXX XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX Equifax and XXXX company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

I never gave Equifax and XXXX written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) 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 ; Delete the above late payments from my consumer report, Equifax and XXXX are in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above-referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against Equifax and XXXX, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: WI
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: NY
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:
in response to Experian, I XXXX XXXX, am a victim of identity theft, I am not a third party or a credit fix it person.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
When I investigated my credit report, I realized that much information was erroneous. The 3 credit Bureaus are required to authenticate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2016-01-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. In addition, NationStar Mortgage has repeatedly denied us help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause.. Now NationStar Mortgage instructed and allowed the Foreclosure Trustee named XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, we hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.

Company response to consumer: Closed
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So back in XXXX I opeqned an account with BOFA to receive my EDD upon certifying I checked my online account on EDD and it showed an {$11000.00} deposit that was supposed to be on my card when I got it in the mail. Well if you look at my transcript of transactions you'll see that there was XXXX XXXX months that I didn't get any payment from them so I reapplied and that's when I started to get my benefits every two weeks also if you look at these letters I got from BofA stating that a stop payment was put on the account between XX/XX/XXXX through XX/XX/XXXX first of all my account didn't get opened till XXXX so what are they talking about they must be talking about the fraud that has been going on with my account ever since XXXX was stopped in XXXX cuz thats when I opened my account officially and further more the loss of credits that I have suffered along with not getting anyone in either the BofA or EDD to understand or take responsibility for these consequential damages is proof that there was and has been fraudulent activities for a long period of time on my account which has gone overlooked and not fixed. Also bank of america enterprise Resolution specialist said she would get back to me with an answer in XXXX about this but it's going on day 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 monetary relief
Consumer complaint received 2023-05-18
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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
XXXX XX/XX/2023 I was denied four times for my XXXX XXXX of college student loan of XXXX XXXX I have an impeccable payment history on my student loan interest payments. However, at this time I was unaware that I was put into collections by XXXX University for a XXXX course I took ( they never accepted my XXXX  student loan because they never told me that they did not accept student loans for visiting students ). Furthermore, I paid this debt of {$4300.00} by the time Discover Student Loans would allow me to apply again 30 days after the previous credit check. I called XXXX to make sure my account was clear and the man who helped me said " yes ''. I go to apply for my student loan on XX/XX/2023 and I was denied again. I called Discover and they stated that I had an issue with my credit. I checked and on my credit report, there it stated that I had missed my Discover credit card payment due the XXXX of XXXX of {$190.00}. I missed this because I had to pay the interest on my student loans on XX/XX/2023 of {$210.00} and after the surprised collection agency payment {$4300.00} I was broke. XXXX of working and money I had saved up went all to those payments and I had no money left. I was not working either because I was moving into school later that week and was looking for a job near campus in XXXX XXXX. Now I paid {$270.00} this passed week my Discover credit card out of what little spending money I had for food while on campus. I currently have {$29.00} in my checking account. This whole ordeal has left me borderline destitute all because I missed a payment to Discover credit card now I am unable to pay for my final year of college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Resurgent Capital Services L.P.
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:
Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
NATIONSTAR AND FREEDOM MORTGAGE ARE GUILTY OF FRAUD ~ The HUD/Truth in Lending Statement and the Escrow Disclosure statement on the loan origination had intentional fraud and items were left off to make the loan payment appear lower. This caused major escrow errors later and a near loss of the home from the fraud. On two separate occasions, the payment almost doubled, from {$800.00} to {$1400.00}. 

Nationstar made us aware of this loan origination fraud in XXXX 2015 but later, in an attempt to collect payments, repeatedly denied it. They even lied to government investigators to cover it up. 

Specifically, Nationstar was dishonest on the phone and in an official government CFPB filing when it denied having access to any paperwork from the prior servicer. 

We have repeatedly requested that they follow the law and rescind the loan due to intentional fraud. They have repeatedly lied and denied our request. ***Attached is a letter from XXXX confirming the loan fraud and also confirming our request to execute our right to rescind the loan due to intentional 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-12-21
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mom bought this mobile home we stay in around XXXX of XXXX payed XXXX down. The house she ordered was in process of being built, for what ever reason they brought out the present home where in now with the cheapest everything saying the house she want would cost more after buying. This present home we are in had embalming fluid warnings, my mom had XXXX and died from XXXX XX/XX/XXXX. The company XXXX XXXXXXXX XXXX, Tx and XXXX XXXX XXXX, Tx and 21st Mortgage out of XXXX, TN. XXXX called me nearly every day for 3 months about house payments and offered me XXXX to just walk away from the loan my mom had. This house wasn't even anchored down right failing inspection. I feel like they're responsible for my mom 's death knowing her XXXX with embalming crud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Parnell & Parnell, PA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Dear Sir/Madam, I am writing to you in response to your recent communication regarding an alleged debt owed by me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requesting that you provide me with the following information in order to validate the debt : 1. Verification of the Creditor : Please provide me with the name and address of the original creditor, as well as the account number associated with the alleged debt.

2. Detailed Account Information : Kindly provide a detailed breakdown of the amount claimed, including the original amount, any interest or fees applied, and an itemized list of all charges. This information will help me better understand the basis for the alleged debt.

3. Proof of Agreement : Please provide documentation demonstrating a legally binding agreement between myself and the original creditor, proving that I am responsible for this debt.

4. Chain of Ownership : If the debt has been assigned or sold to your agency, please provide documentation establishing your legal authority to collect on this debt. This includes a chain of ownership that clearly identifies each successive owner of the debt.

5. Cease and Desist Communication : I am requesting that you cease any further communication with me until the requested information is provided. According to the FDCPA, once a debtor has requested validation of a debt, collection activities must cease until the requested information is provided.

I want to remind you that failure to comply with this request within the timeframe provided by law may result in violations of the FDCPA and other applicable state and federal laws. In such cases, I may be entitled to pursue legal remedies to protect my rights. 

Please note that any future communication from your agency should be in writing and directed to the address provided above. Any negative reporting to credit bureaus should be immediately withdrawn until the requested information is provided and verified. 

I expect your prompt attention to this matter. Your compliance with the FDCPA is appreciated, and I trust that you will handle this request appropriately. I look forward to receiving the requested documentation within 30 days of your receipt of this letter. 

Thank you for your understanding and cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm a first-time home buyer this year. I discovered PHH Mortgage used my escrow account to pay someone else 's property taxes for XXXX, instead of mine. I contacted PHH on XXXX. The customer service agent said she would submit an inquiry to their tax department. I never heard anything. I called back a week later on XX/XX/XXXX, and no one knew what I was talking about, it was as if I'd never called them. I asked to speak to an escalation manager named XXXX. She assured me she'd get the correction process in motion. Didn't hear anything back. I called her extension on XX/XX/XXXX and also XX/XX/XXXX, but her mail box was full. On XX/XX/XXXX I asked to speak to a different escalation manager named XXXX. I explained everything yet again, from the beginning. He promised I would hear from him on XX/XX/XXXX, which I never did. On XX/XX/XXXX, I called my contact at XXXX XXXX XXXX, I had given to PHH, to see had they heard from PHH? Nothing! The tax office had still never been contacted by PHH. This is gross financial negligence of my escrow account. They have given my money to someone else, a stranger, in error, and have no sense of urgency about correcting it. My taxes were due in XXXX, yet are left unpaid! PHH has known about this now for 13 business days and done nothing!

Company response to consumer: Closed with non-monetary relief