BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am bothered by the action taken by the Credit Bureaus! It appears that my credit has been compromised and yet the Credit Bureaus have been ignorant! I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any account and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : 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 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 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 Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$6200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$19000.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$9700.00} XXXX XXXX  XXXX Balance {$6500.00} XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3700.00}

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 2018-04-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two years ago, I was late on my mortgage payment. I made the payment and my check cleared the bank and the mortgage company was paid. My lender, Wells Fargo Mortgage sent me an invoice for the next month 's payment, which I paid. Wells Fargo sent me a check for the mortgage payment saying that they were refusing my payment. I deposited their check into my personal checking account. I received an invoice for my next month 's payment and I paid it just like I had done the previous month. This payment was also returned and I received an invoice for my next payment. As I usually do, I went to a Wells Fargo bank branch and tried to make my mortgage payment. This time the cashier came back and told me that my account was in default and I was in foreclosure and she couldn't accept my payment. I was served with documents stating that Wells Fargo had started the foreclosure process! I ended up pay legal fees and costs plus the payments that Wells Fargo had refused! About 1 month later, I started the process with Wells Fargo to get a HARP modification on my mortgage. The rate is 6.8 % and the current mortgage rates were much lower. After several months and after sending the same documents to Wells Fargo Mortgage many times, my application was denied because " It was not economically justified ''? So I went from " BEING IN FORECLOSURE '' to " MAKING TOO MUCH MONEY FOR A HARP MODIFICATION ''! Wells Fargo Mortgage caused me to have to pay hard earned money to them and fees to the attorneys and the court system. This was totally wrong and resulted in me paying money that was not justified and now showing a " FORECLOSURE '' on my personal credit reports. This resulted in my being denied for a mortgage refinance, cancellation of my credit lines, rejection and interruption of business relationships! Can you help me with this?

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 2023-12-01
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an auto lease loan with KIA FINANCE AMERICA and my due date is every month the XXXX. On month of XXXX I missed my payment but intended to make the payment within few days. 
I came across with FDCPA law in particular XXXX Harassment or abuse along with XXXX Harassing, oppressive, or abusive conduct where the dept collector may not contact consumer more than seven times within seven consecutive days. 
During the period XX/XX/2023 to XX/XX/2023 the financial institution contacted me 14 times which is a violation of FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ). I am seeking compensation of {$1000.00} per violation base on 15 U.S. Code 1692k - Civil liability.

Attached you will find screenshots from my phone where the communications are circled. The financial company contacted regarding the same dept the other number on file with similar frequency. 

thank you for your effort resolving this issue

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Reference # : XXXX record type : Bankruptcy XXXX  XXXXdischarged Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. And incomplete account # This ground for removal.

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 2016-02-25
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is reporting my mortgage as delinquent from the time they acquired it from XXXX XXXX XXXX in 2013. I 've paid every monthly payment via auto pay on or before the due date since I was first notified of the change in ownership. Nationstar has called since the first month and continues to call me on my home & cell numbers repeatedly asking for payment. I have spoken to them numerous times along with providing them with documentation of my XXXX Statements and printouts of their account transaction history. Each time I do this they acknowledge that the account is in good standing and should have been from the onset. However, within a few days they are calling again and then continue to report the account as delinquent. In addition, Nationstar has sent appraisers to my home on no less than XXXX occasion to appraise the home and claim that it is abandoned, even though this is our primary and only residence and is never left untended for more than a few days or week during family vacations. I personally confronted XXXX of the appraisers when they were leaving the notification and asked how they could claim the home as abandoned while we were even in the home and he stated that he was instructed to do as such. These notices are with my personal attorney. Also Nationstar has terminated my auto payment at least once, via letter stating due to multiple delinquent payments they were terminating Auto Payment. I immediately went back in and restarted in time for the monthly payment to arrive prior to the due date. However, I do think they will terminate again. Unfortunately their practices have seriously impacted my credit score, it 's currently between XXXX to XXXX with multiple 30 day lates from Nationstar. This is prohibiting me from refinancing away from Nationstar in addition to increasing my rates for other loans like Auto and preventing me from getting any new credit. I have also reached out to the CT Attorney General to request their assistance with this matter and would greatly appreciate any assistance your office can provide. Please Help! Thank You in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: MO
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:
Recently i did a investigation of my credit report, which caused severe XXXX on me, i found unveriable, inaccurate, invalidated and questionable items that your agency didnt make sure it was reporting 100 % accurate. In accordance with Fair Credit Reporting Act, everything must be correct and under 15 US Code 1681i { 5 } these accounts are in violation of not reporting 100 % accurate. The credit reporting agency says that these accounts were properly investigated abd came back as verified. However how is this true when there are several inaccuraties ahowing on my report? As a consumer, i request to know all the steps your agency took to ensure these items were correct under Code 15 US 1681i { 7 } Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

This list of inquiries that the creditors have put on my report has inconveniently as well as severely violated my rights! 



Account name- XXXX XXXX XXXX Account type-Cell phone : Account number XXXX. 



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 know with one hundred percent certainty that the information is inaccurate, and I had never given any of those creditors the right to put those on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information HUNTINGTON NATIONAL BANK HUNTINGTON BANKS XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! Huntington should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had insurance and still have insurance and they wouldn't run it back through insurance for the correct amount. Even though they wouldn't run it back through insurance this is still showing the wrong amount that was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has multiple accounts on my credit report. I found out that this company is a credit card company but has XXXX different account numbers. I tried disputing with the company that I never opened an account with them. They said that they would investigate it and send me a letter within XXXX days. I haven't received a letter nor a call back. It has been XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: ROBINHOOD MARKETS INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX charges that I did NOT authorize appeared on my statement. 
This is with Robinhood and the bank they use. In XX/XX/XXXX when I found out about the charges, I made the dispute totaling {$530.00}. They provided credit for this dispute. Robinhood then with no reasons given to me reversed the fraudulent charges. The charges happened in a different state where I had never traveled to a day. I feel that Robinhood never investigated my claim. 

I cashed out my stocks right before the fraudulent charges to settle an account deficit I already had. Then my information is used at XXXX and several other places I never authorized. 

Now Robinhood has no idea what I'm talking about despite the email records of said disputes. 
They hang up in my face when trying to speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I hope all is well.. 

I would like to state thank you very much for giving me PayPal credit with your company for all these years. Its very much appreciated. The first time in all the years I have had my PayPal credit during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay PayPal credit completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the PayPal credit. Please take all the late fees off. I will be paying PayPal credit off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

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 monetary relief
Consumer complaint received 2023-06-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection listed TD Bank that still shows I owe which is NOT accurate. I have disputed this several times, it is inaccurate and needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my family from 2006 and iwas given a loan by XXXX XXXX XXXX {$80000.00}, I told the broker I am receiving SOCIAL SECURITY {$600.00} per month XXXX due to XXXX. 
I was told my monthly mortgage is only {$1600.00} .The loan was negative ARM.When it started to increase the payment it was harder and harder for me to pay and i ask for modification, I was told not to make payments for 3 months to be able to qualify for modification for the meantime my loan is getting to the point that i exhausted all efforts to make payment .Nationstar mortgage LLC took over the servicing and colecting the mortgage payment but while on the process of modification Nationstar mortgage forclose my property by XXXX A LAW CORPORATION FOR BANKING INDUSTRY address XXXX XXXX XXXX, XXXX XXXX XXXX, CA,XXXX, XXXX XXXX and sold my property on trusstee sale XX/XX/XXXX.I beg to them that i have people helped me to save my property but they never gave me a chance. telling me I am allready forclose.On XX/XX/XXXX I filed for bankruptcy Chapter XXXX, again the BK is on process and the was trustee continued to auction my property. .I send a written request to give me the original copy of my property DEED OF TRUST, TRUTH AND LENDING ACT AND THE NOTE AND SECURITY INSTRUMENT, I have the physical possession of said documents in my name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ..As of now I have not receive a response from XXXX. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
https : //lakeview.com/ XX/XX/2021 : We began the initial inquiry with Lakeview Loan Servicing to have the PMI removed from our mortgage based on the increased property value. Lakeview informed us that they would send a document in the mail within 20 business days to determine whether we qualify. The form was received on XX/XX/XXXX and stated we needed to make an inquiry to schedule the BPO. 

XX/XX/2021 : We called to have the BPO scheduled and they informed us they would call us to have the payment made and proceed with scheduling. We never received any calls. 

XXXX XX/XX/2021 : I called to see what the delay is and they said we never reached out to make the payment to schedule the BPO, however that was never explained to us. They said as soon as the payment is received they will call within 1-2 business days to schedule the BPO. 

XX/XX/2021 : Payment was received. 

XX/XX/2021 : We still have not received a call to schedule. I called and they informed me this could take as long as 2 more weeks to schedule. When inquired about why the additional delay and not 1-2 business days, they said that information was incorrect.

Throughout the process Lakeview has been unclear about timeline and next steps. In my opinion, they are unnecessarily delaying the process as it is in their best interest to continue having us pay PMI.

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