BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express company will not open personal or business account in my name because in or around year 2008 it closed my accounts. In or around 2008 I had several open American Express account ; some where charge cards and some carried revolving balances. When the 2008 banking industry crisis occurred American Express on a short notice demanded that I pay down or pay-off revolving balances. Because some accounts were carrying business expenses, I needed more time to pay down balances, however, American Express closed all accounts without any notice. had I been given an opportunity, I would have paid down or paid off balances in full. Millions of individuals and businesses were financially hurt during the 2008 economic tsunami, and through no individual fault lost personal investments and lifetime savings. XXXX years have passed, and I have tried to re-establish credit relationship with American Express, however my efforts have been stonewalled every time I had applied for a personal or business account. It is hard to believe that American Express has a policy which permanently bars applicants like myself from getting new credit only because I was a victim of 2008 financial global crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference

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 2023-07-27
Company: Experian Information Solutions 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:
UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX OTHER NAMES LISTED DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME : 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 ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO ME : 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 2017-01-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Consumer Finance Complaint On XXXX XXXX, XXXX my husband, my brother and I closed escrow on a home purchase. The initial loan had all of our names on it but when it sold the new lender dropped my brother 's name from the loan. It was n't until XXXX XXXX when he ran his credit did he notice the home loan was not on his report. I started the first of many unsuccessful attempts to reach someone from Nationstar Mortgage who could help in XXXX XXXX. 
The first experience was speaking with a customer service rep who noted my concern and said I 'd have a written response in two weeks. The response I received was a letter explaining our loan was not assumable. 
The second experience was with a representative contacting me from Nationstar 's social media department after I gave them a bad rating. XXXX XXXX asked me to send the original settlement statement, which I did. He was going to forward it to another department and I never heard another thing, neither did he respond to my follow up inquiry in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Porania, LLC
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:
This account don't belong to me. Please remove this from XXXX and XXXX. Please see below the account that is reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I am disputing some accounts in my credit report but I have not received a response from the bureaus. 

I will attach the letters sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have several complaints against Nationstar Mortgage. First, my loan was dual tracked for foreclosure after I submitted an application for a loan modification. Second, I am being double charged " legal fees '' and " property inspection fees '' by Nationstar Mortgage based on the terms of my final loan modification which was to include all of these fees ( notwithstanding the dual tracking ), and third, Nationstar has refused to credit my bill in a timely manner. 

As the attached documents show, I submitted a request for loan modification assistance, and received a confirmation on XX/XX/XXXX of the request. My loan was then referred to foreclosure on XX/XX/XXXX. 

I received trial modification approval on XX/XX/XXXX, and on XX/XX/XXXX received a permanent loan modification. The terms of the permanent loan modification under paragraph 1 state that it includes " any legal fees and related foreclosure costs that may have been accrued for work completed ''. 

Nonetheless, I have continued to receive a fees in the amount of {$340.00} for " legal fees '' and " property inspections '' that should not have been charged in the first place based on the fact that my loan was originally dual tracked, and at any rate would have been included in my XX/XX/XXXX loan modification. I have disputed these fees numerous times, and I have been told various inconsistent things by the customer service representatives. The last official notice brushes the issue aside completely. I am reaching out to the Consumer Financial Protection Bureau to help resolve this matter, since Nationstar refuses to correct it on their own accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received notice of bill. Did not state I could dispute just demanded payment. Sent a validation letter in XXXX of XXXX. Never received a single validation or notice or anything. Then they put it on my credit report dropping my score without a single response to my letter. Filed dispute with credit bereau. XXXX city lies and claims they never got a letter. Funny how theses collection company always lie and claim they never got a letter and then once they are notified to remove it from the credit report because they failed to follow fdca guidelines they have not removed this. This item was also paid for by insurance It is not a valid debt it is also a medical debt and can not be placed on credit report They have violated every single fdca act law and should be fined

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender and/or mortgage loan servicer is practicing unfairly and in dad faith. I fell behind on my mortgage due to lost in income and on XX/XX/XXXX I received notice that a Foreclosure proceeding had commenced on me with a conference date of XX/XX/XXXX. I attending and expressed my reason for failing behind and concern for the excessive fees in the amount of {$5800.00} being charge above what I owed for principal, interest, tax, which at the time was {$9900.00} - {$730.00} an unapplied balance ( I pay insurance out of pocket ). 
Fast forward a few conferences and a lot of conversations with the server XXXX my Modification application was determined complete as of XX/XX/XXXX. XX/XX/XXXX my loan was transferred from XXXX to SNSC. After numerous attempts to contact the new server on XX/XX/XXXX I receive an email from their attorney stating they had received my messages but are not interested in speaking to me and requesting additional documentation which was sent followed by an additional request on XX/XX/XXXX in which all documentation was finalized on XX/XX/XXXX. XX/XX/XXXX I received a letter from SNSC stating I was approved for a modification and should expect a packet in the mail, which I had 14 days to review and return by this time I was corresponding with the server by email. 
XX/XX/XXXX I reached out to the asset manager in reference to the letter and was informed no such thing existed and insurance information was requested of me, which I provided. I proved to her that I had indeed received the letter. 
XX/XX/XXXX I received a really brief email from another rep stating their modification terms, principal will increase from {$180000.00} to {$200000.00} interest rate will increase from 3 % to 5 % and payment will increase from {$810.00} to {$1100.00} for 480 months and requesting two good faith payments of {$810.00} before the XXXX month trial period started on XX/XX/XXXX. I made one good faith payment on XX/XX/XXXX. 
XX/XX/XXXX we had a settlement conference in which the court voiced thire concern for the interest rate hike since it was above current rates and the court advised plaintiff to comply with rates currently being offered if they needed to raise the rate, it was also directed that I receive an itemized explanation of the {$10000.00} in additional fees being charged above total mortgage payments due of {$15000.00}. 
XX/XX/XXXX after a few more emails I received their final Modification offer Initial Rate : 4.50 % for the first 24 months, Step rate will increase to 5.00 % after 24 months all other terms remained the same as last offer. These terms are unfair and have been provided to me via email with no follow up letter stating my rights or available options. I am hoping we can come to an affordable agreement where the final mortgage payment is affordable and hopefully the fees are not excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: NY
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

appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}

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 2016-12-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Nationstar Mortgage has always Said they are the real CREDITOR of my XXXX Mortgage. payment were made. Applied for modification and made all my trials payment and yet they still go ahead a foreclose using some company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as Trustee to Sale my property. I have forwarded a R.E.S.P.A Qualified Written Request and Truth in Lending ACT. Nationstar Mortgage still revieled them self as a TRUTH CREDITOR and presented me with a COPY OF THE DEED OF TRUST. I Filed for Bankruptcy to stop the Sale and make some kind of payment arrangement. Confirmation hearing for my plan was taken place and the knew Creditor showed up in Court for a first Time as Plaintiff Deutsche Bank Lawyer. What happen to Nationstar Mortgage, I have being dealing with ever sinced ... I was told in COURT THE REAL CREDITOR NOW IS XXXX BANK. I have sent a R.E.S.P.A QUALIFIED WRITTEN REQUEST TO XXXX BANK AND AWAITING THEIR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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:
Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: BARCLAYS BANK DELAWARE
State: NJ
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 accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2021-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation