BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, has Violated my rights. 15 USC 1681 Section 602 ; states, I have the right to privacy. 15 USC 1681 Section 604 ; A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open ended consumer credit plan as late for any purpose.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: WI
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: Problem with personal statement of dispute

Complaint:
The date of XXXX someone went to a dealership in Illinois to purchase a vehicle in my name with out my knowledge I've been receiving letters from this lender company called XXXX XXXX that I own them some money and I do not own any vehicle from this company so I'v been fighting with this company for 6 years now. So in XXXX XXXX agree to get this account deleted for me off my report and XXXX agreed to get this account deleted for me off my report. Experian is the only credit union that I'm having problems with to get this account off my credit report so I filed a law suit on the XXXX XXXX for miss handling my information in properly with out my consent and I heard as of XX/XX/XXXX the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States XXXX XXXX for XXXX XXXX XXXX XXXX New York against XXXX XXXX XXXX So I need this Account to get off my Credit report from Experian 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 explanation
Consumer complaint received 2015-09-14
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my names XXXX XXXX and I 'm responding to case XXXX again all want is the fair opportunity to get my house back on track and the right to do so under the program 's that 's out there harp and others as I said I sent all docs back and and never heard from anyone at nations star I want save my home I still all the signed copies that sent I just want an honest person to help me and not lie about everything pertaining to my documents being received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE 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 recently requested my credit reports and found some fraudulent accounts had been opened in my name.

Transunion- Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in 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 2015-09-13
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : NEW COMPLAINT IN ADDITION TO COMPLAINT # : XXXX FILED ONXX/XX/2015 Lender : NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX, TX XXXXThis is to inform CFPB that since XXXX XXXX, 2015 when I filed complaint ( number XXXX ), listing several concerns, Nationstar has continued to make unwarranted phones instead to responding to calls initiated by our attorneys, with whom it needs to work out a resolution of our loan modification. 

On XXXX XXXX, 2015, CFPB emailed us the following notice from Nationstar : '' Response : Please allow us additional time to further our review, currently we are waiting on an update from our Loss Mitigation Department. Once this completed we will update you with our resolution letter. Thank you. " Since the above dated response, Nationstar has " robo '' called our home on twelve times on the following dates ; their messages were retrieved from our home telephone : Sat., XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015 - day we received your notice they needed additional review time. 

ACTION REQUESTED : They need to stop these blatantly unjustified calls at your direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We received a foreclosure notice on a loan we took out with Specialized Loan Servicing LLC back in XXXX, and we have been working with them and legal services in order to identify a solution to this problem. There is a trustee sale on our home on XX/XX/XXXX, and this is the only home we have. My husband is over XXXX and works as a mechanic getting work wherever we can. However, his business has been severely hit with XXXX and our children help us the best they can to make ends-meet. We jumped at the opportunity for a loan modification with Specialized Loan Servicing, but they have told us that we need $ XXXX down and we are unable to make that. But they are not willing to help any further than telling us if we do not have the money, there is nothing they can do. They did not even offer us a payment plan of any kind or have even allowed us to speak to any upper management. This does not seem to be in compliance with any fair business practices, especially because prior to XXXX, when we received the first foreclosure notice on the loan, they had never tried to contact us before. We received no other notice of this! This home is all we have.

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 2022-10-26
Company: Ocwen Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX In XXXX I applied for a home re-modification and I was told not to pay my monthly mortgage. I was approved within XXXX XXXX and received my new mortgage and started payment right away. At that time I never looked at my Credit scores or report. I then looked to purchase another home and during that process learned that OCWEN Loan Servicing had placed negative marks on my credit report. Its been XXXX XXXX XXXX XXXX and I called to ask OCWEN questions regarding why this was placed on my report when I was told I could not make a payment. I have wrote letters and phoned them with the only response being that the account was closed and transferred to PHH Mortgage. I continue to contact them in an attempt to have the negative marks removed. I have also written PHH Mortgage to see what they could do with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA mortgage with M & T bank. I was struggle to make the payment due to financial issues related to COVID health issues. I reached out to them and was placed in forbearance. I was told that I had the option to do a partial claim when I resumed my payments. The forbearance started with XX/XX/XXXX payment. I am now exiting the forbearance and resuming payments on XX/XX/XXXX. I am now being told that the partial claim option was discontinued in XX/XX/XXXX and I have to make all payments in lump sum, spread out over 6 months or refinance at a MUCH higher rate 3.0 % to 6-7 %. I feel that I was lied to when I entered this forbearance with the goal of upping my rate. I can not afford lump sum or to repay an extra XXXX a month for 6 months or pay a new mortgage payment that is substantially higher than my current. I feel that I would have been better off paying what I could and trying to keep the delinquency less than 30 days until I could bounce back financially. I just think this was deceptive fraudulent practice for the bank to make more money off an already struggling client.

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: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open checking and saving account in Jpmorgan case bank XXXX XXXX on XX/XX/2023 in order to receive fund from XXXX to pay wife and I XXXX XXXX  expense. 
After did a couple of transaction my account suddenly was locked and all the payment was stopped by bank, then someone from fraud depart said my account have unusually activity they need to close my account, then my account was close in XX/XX/XXXX, then they said they need to investigate, since then already over three months, during these time I try to explain the questions if necessary but they ignoredright now my money hold in the bank more than XXXX XXXX I need the money to pay medical expense, what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: SYNCHRONY FINANCIAL
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am in the process of selling my current home and purchasing a new one. During the title search process, we discovered a lien filed on the property in 2007 by GE Money bank. We had a home improvement loan and at the time we took the loan out, they placed the lien on the property. GE Money Bank changed its name to Synchrony Bank at some point. I contacted Synchrony to obtain a lien release and I was informed that they only kept the motorsports accounts. All other loans were sold to other banks. They gave me several numbers for XXXX XXXX, as they told me is who would have been transferred the loan. According to some research, I believe XXXX XXXX went bankrupt and possibly sold the loans to XXXX, who I believe also either sold it or went bankrupt. With all of these entities, none of them recorded an assignment of the debt with the recorder of deeds after the original party sold or transferred the account. I have no records as this was over 15 years ago. We need someone to release the lien as soon as possible on the property so we can proceed.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
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 am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 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 2023-04-27
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: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX, I purchased a variable-load prepaid XXXX debit XXXX ( issued by XXXX Bank XXXX XXXX person at XXXX XXXX XXXX XXXX of XXXX ) for the amount of {$500.00}. 

On XX/XX/XXXX, I called the phone number on the back of the card to confirm the available balance & reset the PIN : XXXX. The XXXX routed my call to a XXXX agent. Agent informed me the card was blocked & funds frozen because it was compromised and the next steps for a replacement card. The agent directed me to https : XXXX to upload a set of required documents. 

After the call, I uploaded the required documents ( store receipt, images of the prepaid card and my photo ID ). 

On XX/XX/XXXX, I called for the status of my replacement card & informed there were issues with the images. I called back several times because it hard to understand the issues- in particular, the documents that were missing or incomplete. Agents advised me to upload the documents. 

I was unable to upload the documents to the website. I used XXXX and XXXX XXXX browsers and XXXX XXXX & received the same error message on the first screen ( entering basic information of Gift Card number, barcode ). 

https XXXX XXXX  After several calls about the issues uploading images, I spoke to a manager that advised faxing the documents to XXXX. 

On XX/XX/XXXX, I faxed the documents again using XXXX XXXX app ( Mobile Fax ). On XX/XX/XXXX, I called to confirm receipt of the documents. The XXXX agent informed me there was no update and to call back. When I asked her the fax number, she told me 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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # 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 a account without my written instructions.

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 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent to collections when I should not have been. The collection agency had reported account open account balances incorrectly. I disputed with all credit agencies and has been removed by all credit reporting agencies but equafax. I provided proof from original company that the account should not be in collections and I actually have a zero balance. I have a letter from XXXX explaining this and both the collection agency and equafax refused to remove. They have violated FCRA guidelines. Please help. I have disputed 3 times and nothing from both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief