BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 I have applied for a mortgage refinancing with XXXX XXXX, On XX/XX/XXXX I received a credit score from XXXX XXXX  from XXXX  stating that my credit score is XXXX however my XXXX  account states that my credit score is XXXX. My credit score is damaged because of the following error by Nationstar : Nationstar reported two missed mortgage payments but these are in error which Nationstar refuses to acknowledge. My escrow at Nationstar was calculated incorrectly because of errors in how they escrowed my account. I had a homeowner 's policy at XXXX. XXXX issued the wrong policy and Nationstar paid for the policy out of escrow. I had asked XXXX to change my homeowner 's policy to a less costly one however they failed to do so. By the time XXXX issued the new policy Nationstar paid for the new policy a second time. Therefore, my escrowed showed two payments and Nationstar refused to fix it and said that I had to wait until their adjustment period in XX/XX/2020. 

I was unaware that Nationstar and XXXX had erroneously issued and paid two policies. This happened over a several months. I learned by accident when I paid my mortgage on time. I got a notice that the mortgage amount had changed and I needed to pay more which I did immediately after learning of the error. When I inquired about the change in escrow I learned that Nationstar had paid for two homeowner 's policies in error. I also did not know that even though I paid my mortgage on time that Nationstar issued a credit event for missed payments? I did not miss a payment I did not know that the error they made in my escrow account had resulted in credit reporting errors until after my credit was damaged. I disputed the errors but Nationstar refused to take responsibility for the error. XXXX  was also not helpful in this matter resolving my disputed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: SC
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-03-18
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2020, I contacted Westlake Financial by calling XXXX to ask for 2 months deferment of my payments because I have been impacted by the Covid19 virus. I even spoke to a manager explaining to her in detail that I am economically impacted by the Covid19 virus. The manager would not assist me even after I informed her that I have been impacted by the Covid19. She stated that there is nothing they can do for me. This immediately caused anxiety and caused my blood pressure to rise. How can they not assist their customers with help during this emergency situation? This is unethical and inhumane. I am not running away from my responsibility I am financially hurting due to the Covid19 virus and asking for assistance so that I can keep my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i received the XXXX statement in XXXX saying i owe {$210.00}. my normal payment is XXXX but since i been paying over and above the amount i m ahead, so i proceed to pay XXXX which more than cover what the statement says i owe. ( is what i do normally-i never pay the bare amount to get by ), so then after paying the XXXX i was given a statement that says i still owe another XXXX within the same billing cycle. i called several representative. they read me the entire payment history and says i still owe, because i had several deferments. a deferment meaning it's put to the end of the loan. but nope. i owe it. and 2 representative proceed to tell me that TOYOTA FIANCIAL DOES NOT SEND OUT ACCUATE STATEMENTS and i should check online or call in to find out what is actually due each month. so basically toyota found a loop hole, sending out false monthly billing statements, and if not careful you can be charged a late fee or reported as late on your credit. i also escalated my call to XXXX who promise to call me back, that was 2 weeks ago. never called. so now i would like CFPB to step in. as i will monitor closely all the statement toyota sends out and report this as i am told statements sent out by Toyota Financial are not accuarate. this may the the start of a class action lawsuit. please help not just to get a response but help investigate toyota financial 's lending practice ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DON'T UNDERSTAND WHY Y'ALL KEEP DENYING MY IDENTITY THEFT CLAIM. THIS IS PURE FRUSTRATION AND ANNOYANCE TALKIN ' HERE, BUT IT JUST DON'T MAKE NO SENSE! Who gave YOU THE RIGHT TO SAY I AIN'T BEEN A VICTIM OF IDENTITY THEFT? I know what's goin ' on with my own stuff. Y'all ain't no judge or jury! I sent a legal law enforcement agency report to prove what happened to me. Let 's get this sorted out within the 5 days the law says you got ta do it in. Don't make me come after you! XXXX XXXX XXXX  and XXXX XXXX XXXX. Please remove these accounts 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 2019-06-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I returned my car back to Nissan yet it seems they are reporting a late payment for me in XX/XX/2018. The car was returned prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Open Dealer Exchange, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXXXXXX broke the law today as in 15 U.S. Code 1662 - Advertising of downpayments and installments U.S. Code prev | next No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Meaning they can not state that I have to put a downpayment on an automobile unless I usually and customarily arrange downpayments in this amount at this company. This is my first time ever contacting this company so that means they broke the rules.

I also inserted told them I wanted them to retract my application the guy told me I could not and hung up in my face. They were very rude to me today and they lied to me. I need the automobile for work purposes and now I cant get it is messing me up. They stated because of my credit score and I know thats not a factor at all because I dont customarily dont do downpayments with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: SUNRISE CREDIT SERVICES, 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:
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them 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 2023-02-28
Company: Nelnet, Inc.
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: Account status incorrect

Complaint:
I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( 1 ) and one-half ( 1/2 ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason FirstMark 's systems have placed my current address to an address I have not lived at in central Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX FirstMark disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet Firstmark has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. Firstmark may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a chronic medical condition, that without subjects me to extreme sensitivity to light and sound, for which both register as pain. During those periods I am unable to use a computer or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
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:
I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The 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 UPDATED immediately. 

XXXXXXXX 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 2023-04-11
Company: EQUIFAX, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize ( authorization ) too view or pull credit ( Identity Theft Victim - Equifax Data Breach ) ... 

Inquiry details XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 Complete Dept. XXXX XXXX XXXX, XXXX XXXX   XXXX from XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
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 accounts as follows # 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. Sections 2 : 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 2023-04-11
Company: EQUIFAX, 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:
This company continues to violate my consumer rights when i send my letters and ask for proof of verification on the account they say they verified but i nere get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX are continuing to collect on a medical bill that has already been paid. This is also showing on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX address and inquiries misleading and other accounts sold to third party 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Genesis FS Card Services, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received two letters from genesis card services regarding a credit card opened up in my name. The first letter was about a credit protection plan offered by them. The second letter stated that the address on the account had changed. The date on these letters was XX/XX/2023 On XX/XX/2023 I checked my transunion credit report and saw that on XX/XX/2023 there was a credit check against my information from genesis card services. 

On XX/XX/2023 I called the number on the letter from genesis card services and reported to them that my information had been used to take out a card in my name. They submitted a report then requested that I submit a complaint through this site. The person stated that I would have to send a letter ( that I will receive from you ) and send it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to this company back in XX/XX/2022. And advise them to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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