BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to save my home from Foreclosure, but Nationstar is still just giving me the run-a-round and I am requesting that the CFPB take a more active role in forcing Nationstar to treat me fairly. I have an FHA loan. My income was reduced due to a reduction of income even though Nationstar claims that they want to help me, that 's the exact opposite of what they do. First, I have submitted a request for mortgage assistance and all of the documents that have been requested. However, Nationstar continues to lose my documents and keeps asking me for the same documents over and over again. How can they lose them? I fax them, and I get a confirmation. I have them emailed, and we get a confirmation ... What can I do if they keep losing what I send them!? 2nd, I 'm told that XXXX XXXX at XXXX ext XXXX is my relationship manager, and single point of contact. However, When I call this number, she is never available and I have yet to receive a call back. Also, when I speak with someone else, I always get different information and most of them are rude. Third, I received court documents to attend a foreclosure hearing. It is my understanding that when Nationstar is working on helping my save my home, then they should stop all efforts to foreclose on my home! I feel that Nationstar is purposefully treating me unfairly. They received $ XXXX dollars from tax payers to bail them out, and they continue to just jerk homeowners around. As I research Nationstar online, I see that they have been fined a lot for misconduct on the way the treat homeowners. Please help me NOT become one of their statistics. I want to save my home. I 've researched the public information on FHA loans and I qualify for help. Please help me get treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Public record information inaccurate

Complaint:
Experian and XXXX  are both showing two Bankruptcies on my credit file. I have disputed several times because I know that is not correct. Each time they both indicated it was valid. I disputed the information with XXXX XXXX directly and they indicated they did remove it. The two bureaus have yet to do so

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 2023-08-15
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment of {$100.00} for XXXX, which they received on XX/XX/XXXX, but it still shows that I have a minimum payment due by XX/XX/XXXX. They have manipulated the payment window so that I do not have a full 30 days to make a payment and they are taking my XXXX payment and applying to XXXX 's bill. So now I am supposed to make another payment in the same month for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail from Kohl 's fraud dept. It reads " We identified activity on your account that is uncharacteristic of your normal shopping patterns and have been unable to contact you by phone to confirm that you authorized this activity. We placed a temporary block on your Kohl 's Charge Card account for your protection ''. I looked at my credit reports and all of them had a hard inquiry from Kohls/Capital One but no opened account. I then called the fraud dept phone number listed on the letter ( XXXX ) and a lady told me that she would put a message in the system that I did not open/apply for this card. She told me that they'd already opened an investigation and would keep me informed by mail. A week goes by and I check my credit reports only to find that a brand new Kohls account has been added to all of them. It has no charge on it. All say {$0.00}. This started in late XXXX and the account was officially opened just recently in XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Our household has been reduced to one income causing me to have to pay what I can when I can. So with one main financial I explained to them that I can make the payments just not all at once but within the due month, Weekly One Main Financial calls me with threats and demands that I pay on time or get hit with {$3.00} plus daily late fees. They are rude, demanding, threatening and disrespectful. They only want their money on the date due or they'll harass you until it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone signed up for multiple accounts on my name while I was XXXX and even has another social security number, my ID information as well. 
-Jefferson Capital for XXXX XXXX The police report has been done and the account was removed from my credit report but its back. 

Also, XXXX XXXX simple has been ruining my credit for years. Company sold me faulty merchandise, I returned it and it still has a negative mark on my credit report. 

XXXX XXXX XXXX repeatedly reporting monthly on an account that has been closed and charged off. Theres no agreement. 

XXXX XXXX Reports wrong account to credit bureau of choice . Account information not correct or on all 3 reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got a PayPal credit card with a limit of {$700.00} and paid my payments on time. Then when I paid my last payment I paid the balance almost all the way off. They then took my credit away and are holding my payment for 13 days. They gave me XXXX notification why, seems completely wrong. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2022-08-29
Company: EQUIFAX, INC.
State: IN
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 Credit bureaus XXXX, Equifax, XXXX, and XXXX XXXX stated account name & Account #, XXXX XXXX IN  XXXX XXXX XXXX  XXXX XXXX IN XXXX ( XXXX ) XXXX identification number XXXX IRA, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-07-12
Company: EQUIFAX, INC.
State: OH
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 have been working on my credit for over a year and a half. I've corrected most of the errors. Now they have put an old disputed collection back on my credit. I thought they couldn't do that. 2nd I've called the credit companies only to have them tell me they don't have any control over my score. My score hadn't changed in 6 months no matter how good I'm doing. So to sum up my complaints, I'm writing because they put an old collection back on my credit. I'm also writing about my score not changing. If they don't control what our credit score is them who does.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
XXXX mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under us bank on a mortgage loan that was settled in XXXX by us banks through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through us bank to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold XXXX to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX bank or XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows XXXX or more of these charge. 

XXXX and us bank with the help from the XXXX circuit court of Florida who disregarded the facts and has foreclosed and stolen our home. I will forward XXXX of the XXXX judgment the last XXXX were removed. next please ask XXXX and us bank to submit a certified copy of the actual illegal and invalid mortgage documents they filed with the court. as it differ from the version they gave you what of the frauldant charges by attorney XXXX XXXX XXXX for mandatory mediation that we were never ordered to attend by the court and if mandatory mediation is required by law why did the court skip this step and her response to me in a email was XXXX County does not require mediation. I guest XXXX county has their own foreclosure laws I thought it was Florida law or federal law Moreover, these issues should have been raised by you to the Court prior to the entry of judgment. that would be the same court who does n't believe the facts of the case and a very clever scheme to defraud by nationstar and us bank and what of the relocation expenses for being forced out of our home with less than 45days. please forward this complaint to us bank for their response to this case now that XXXX and us bank stole our home I am formally requesting to file federal charge against all the parities and request that the dept. of justice investigate this matter and look up the court file to confirm my statements. nationstar and us bank needs to stop stalling and formally respond, now that they have completed their fraud and stole our home. I will e-mail all my documents to cfpb and the DOJ

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am an elderly person on a fixed income of {$970.00} a month and because of the handling of my checking account after 4 years and no problems, this bank has made me homeless where I must sleep in the streets because of their new risk/ fraud department headed by a ghost named XXXX . On XX/XX/XXXX, they let XXXX water take {$120.00} XXXX from account for a home I have not lived at since XXXX. I disputed with bank because water company closed to the public and I never gave them the card number, bank said Visa gave out number They said they would give me new card and it would never happen again. But it did on XX/XX/XXXX they paid XXXX water {$32.00}, again on XX/XX/XXXX {$23.00}. Then on XX/XX/XXXX I went into a XXXX store to have them fix phone. They lied and said I needed a 5 g phone at {$70.00}, but presented me with a bill for {$230.00}. 
So I declined and left store empty handed. On all these charges I received XXXX services. Contacted bank immediately to tell them of these unauthorized withdrawals as being on a fixed income made my account negative for the bank not safeguarding my money. So instead of rectifying and representing their customer, they charged me {$500.00} in insuffient funds charges so they have stolen over {$900.00} out of account of fixed income of {$970.00}. Went to bank to straighten out and afincial advisor named XXXX XXXX told that I was old and had no money and BBVA was tired of broke elderly people and to close account as I would never receive a XXXX back from the bank and I deserve to be homeless So they stole the money and they are proud of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/2021 }, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
My name is XXXX XXXX and I'm submitting this complaint without any influence fromany third party or agencies. Please see attached documents and ID as is contains my full complaint and request.

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 2023-04-17
Company: Westlake Services, LLC
State: TX
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Name : WESTLAKE FIN Account # XXXX Your 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 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, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, 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 ] Best regards,

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