BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage company approached me about refinancing my home loan for Texas property. We went through the entire process of assembling the paperwork, appraisal XXXX a least XXXX times the value of the loan ), credit research XXXX excellent credit ), perfect payment history on the existing loan, etc. The property had to be considered investment property because, though I 've owned it since XX/XX/XXXX lived there until XX/XX/XXXX still have utilities in my name, my family still lives there and it 's the only property I own, I live XXXX miles away managing multi-family property owned by an family LLC. They said I would have to give up my homestead exemption, which I reluctantly did since the lower payments would enable me to pay the higher taxes. No sooner had I done that when they said I could n't get the loan refinanced because I did n't have a homestead exemption on the property XXXX miles away! They said my options were : 1 ) To change all my driver 's license and other records back to my home address ( which would be lying and virtually impossible to do XXXX ; 2 ) declare the property as a second home and since no one can live there but me, kick my family out on the street ; or 3 ) have the multi-family residence that has multiple managers of the LLC deeded to me alone and get homestead exemption there. I DO understand the part about giving up the homestead exemption on the loan property ; but I do NOT understand why they would care about my having a homestead exemption on any other property that is not involved in the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
Im disputing a account named XXXX XXXX IN the amount of XXXX as identity theft and i didnt apply for this account and i would like for a dispute be open with document attached i did not apply for this card and its showing both of them reported on my experian 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing in response to the current evaluation conducted by the Credit Reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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
Consumer complaint received 2023-06-23
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Discover card was informed for, months by me that charges were on my card from companies of which I did not authorize to charge my card., instead of fixing the situation they allowed it to escalate into a situation wherein multiple unauthorized charges from XXXX, and other entities were billed to my card. 

They claimed that because the bill continued to be paid after these charges were made although I notified discover multiple times for months that something was wrong that they will not reimburse me as the promised.. 

The charges are fraud, not made made nor authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: TN
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. The list of accounts below has violated my Federally Protected Consumer RighTo Privacy And confidentiality under 15 USC 1681. 
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 15 U.S.C 1681 section 602 A. States I have a 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 permission.

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 antedated 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 2023-03-13
Company: Experian Information Solutions 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:
15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX, ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand. 
Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: OH
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 have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : 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 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 2023-06-15
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX - CARD SERVICE 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 2022-10-21
Company: Navient Solutions, LLC.
State: IL
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:
There is 3 accounts on my credit report from Navient, which is a student loan servicer. The 3 loans were opened and placed on my credit report in 2006. Ive never defaulted on the loans and the loans were paid off. Ive contacted XXXX to have them removed from my credit report because they have been on there well over 7 years. XXXX failed to look into my dispute. I want these 3 accounts with Navient removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to address a crucial matter regarding the credit limit reporting on my consumer credit report by Discover Bank. It has come to my attention that the reported credit limits differ across the credit bureaus. XXXX reports a credit limit of {$0.00}, while XXXX and XXXX report a credit limit of {$2000.00}. This discrepancy is causing significant damage to my credit report, as the reporting of a XXXX credit limit with a {$430.00} balance is misleading and detrimental to my creditworthiness. Therefore, I demand the immediate correction of this inaccurate credit limit reporting. 
The current reporting of an incorrect credit limit on my consumer credit report is resulting in negative implications for my creditworthiness and causing me harm. It is crucial that this inaccurate information is promptly updated to reflect the correct credit limit, as this discrepancy is causing significant damage to my credit report and potential denials on credit applications. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you promptly investigate this matter and take immediate action to correct the credit limit reporting on my consumer credit report. The reporting should accurately reflect the correct credit limit associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Interstate Credit & Collection, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-27
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:
XXXX has provided me with a long over due 1099-C evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next 3-days. After I will file complaints with FINRA, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The Constitution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have been working on a mortgage with Greenlight Loans since XXXX XXXX. This is a XXXX family 30 year fixed conventional mortgage. We have good credit, were pre approved ( with a promise to close within 30 days ), and can satisfy debt-to-income requirements. The house was appraised and we received conditional approval within 15 days. The condition responses were returned the next day and there has been no forward movement since then. We did have a hiccup with the seller not having the pool ready for the appraiser, but that was completed and the appraiser report was sent to Greenlight on XXXX XXXX. Every time I follow up to see what the status is, the closing coordinator indicates something is being cleared in underwriting and we " should close next week ''. I have been hearing this every week for four weeks now. I always have to ask for a status, they are not proactive in updating me at all - I believe the file is sitting on someone 's desk until prompted to work on it. They had not asked me for XXXX additional piece of information, just keep delaying the final steps. Then last Thursday, they have a list of information they need for underwriting, which I completely understand they need to update their file. It was simple stuff and was returned within XXXX minutes. But, how could the closing coordinator be promising to close when the XXXX file was not even complete or up to date? Today, their response is " being cleared by underwriting for funding and this will be done in about an hour '' - that was XXXX hours ago. The sale of our house is closing Friday and we are going to be homeless if we do n't get this closed. Further, this is not just affecting my family. The sellers and our realtors are all impacted. I honestly believe that the closing coordinator does not know what she is doing and has no training or guidance. I also do n't think anyone at the company cares. My husband filed a complaint on their website and I have also called their Consumer Affairs Department with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 explanation
Consumer complaint received 2023-01-24
Company: Collection Management Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Harassment by : Credit Management Company XXXX XXXX XXXX XXXX XXXX  XXXX Owe {$200.00} Act # XXXX Billing Customer : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX agree I owe XXXX and have spoke with XXXX XXXX XXXX no cooperation as to why they do not provide a paper or electronic statement. Their answer is they don't send statements because its a medical bill and they will see my medical history due to hippa law, its not true they have sent me that already they just need to do a billing statement. They keep repeating I need to either pay over the phone with a credit card, or send it to their po box . I had paid XXXX payments XXXX XX/XX/XXXX ck # XXXX & XXXX XX/XX/XXXX ck # XXXX bringing balance to XXXX and stopped because of no statement to show me my new balance. I called again XX/XX/XXXX and was told the same story. I find this absurd that a business gives you a po box to send money to or pay over the phone with credit card with no billing statement. I would like to see my balance and know they are legitimate. I found a lot of complaints online as well. I am being harassed numerous times a week with recorded message. Phone calls have become a invasion and disturbs me at my work place. A legitimate billing statement would work and I can pay this bill. I look forward to your assistance with this as it just goes round and round - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Since XXXX of XXXX I have been trying to get accurate payment status of my auto loan. I am NOT 30 days past due. This is not accurate. I have requested this debt validated and they keep saying it has been verified. Most recently XX/XX/XXXX I got an alert they updated to paid current, and then today I got another alert that the account is 30 days past due. This is NOT accurate at all. Its unfair.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: MI
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 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 also 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 and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX XXXX XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.

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