BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: MD
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:
Dear Experian, I am writing to dispute the accuracy of my credit report and request that you remove a fraudulent account listed on my report. I recently discovered that my identity has been stolen, and I have filed a report with the Federal Trade Commission ( FTC ). 
As you are aware, the Fair Credit Reporting Act ( FCRA ) provides consumers like me with the right to dispute any inaccuracies on their credit report and request corrections. In this case, the fraudulent account in question was opened without my authorization, and I have never had any association with the company or the account. 
The fraudulent account has negatively impacted my credit score and is causing me significant financial distress. Despite reporting this incident to the FTC, I have not received any response or assistance, and I am now turning to you for help. 
I request that you remove the fraudulent account from my credit report immediately, as it is an error and is causing damage to my credit history. I have attached a copy of my FTC identity theft report for your reference, and I am willing to provide any additional documentation you require to resolve this issue. 
Furthermore, I also request that you investigate how this fraudulent account was added to my credit report in the first place. I believe that your company has violated the FCRA by adding this account without verifying its accuracy and failing to promptly investigate my dispute. 
Please provide me with a written response acknowledging receipt of my dispute, and outline the steps you will be taking to resolve this issue. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 
Sincerely, 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 2023-08-08
Company: ACIMA CREDIT, LLC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: AL
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 2023-10-25
Company: EQUIFAX, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: M&T BANK CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
M & T auto finance used deceptive sales tactics and also broke rules upon repossession of car and not sending out notice of selling vehicle and defenciency balance owed.

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 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Nationstar Mortgage, whose address is XXXX, TX XXXX. On XXXX XXXX, 2015 I received a notice that my escrow account for property taxes had a shortage of {$960.00}. I was told I could either pay the full balance and keep my regular monthly payment the same, or have my regular monthly payment increase by {$110.00} per month from {$1900.00} to {$2000.00}. I chose the former and wrote a check to Nationstar for {$960.00} as instructed. That check was cashed by them on XXXX XXXX, 2015. However, due to an internal error on their part, someone misapplied those funds and chose to add that amount as principal reduction rather than to my current escrow balance. As a result, unbeknownst to me, the system maintained the monthly payment amount as {$2000.00}, So when I made my regularly scheduled XXXX 2015 mortgage payment of {$1900.00}, the system did not show the balance as being paid in full and charged me a late fee. It also suspended the payment from being applied to my account so that my credit is negatively affected. I called Nationstar on XXXX XXXX, 2015, to figure out what happened and after an hour of back and forth with very poor customer service or assistance, the woman XXXX stated that the matter was resolved, the funds would be properly applied and my payment would stay the same. However, on XXXX XXXX, 2015 when I went on the Nationstar website to make my XXXX 2015 payment, it still showed the incorrect higher amount was due. In addition, it showed that my XXXX 2015 payment was still in suspension and had yet to be applied. Again, this affects my credit and causes extra fees to be applied to my account. So I again called customer service on XXXX XXXX, 2015, and spoke with XXXX. I went through the same discussion and transferring of calls back and forth that I did the first time. XXXX said that they had to ask for the escrow payment of {$960.00} to be reapplied to the outstanding escrow balance in order for the monthly payment to go back to what it was and that would take another 7 to 10 business days. Why the first lady did n't do that is beyond me! So now I have to wait another 2 weeks for this issue to be resolved, meanwhile my account shows as past due and it affects my good credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: ALLY FINANCIAL INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a personal loan with Ally Bank and paid it back in full on XX/XX/XXXX. That same day after I paid the loan in full they pulled my auto debit payment of {$300.00} even though the loan was paid in full. 
I called them on XX/XX/XXXXXXXX  to make them aware they pulled the payment when they shouldn't have and I asked them to simply reverse the ACH payment since we were within the 5 day window. They refused and told me to call back 10 days later to issue a refund. 

I called back on XX/XX/XXXXXXXX  they then told me they would issue me a refund on my overpayment and it would take 7-10 days to process. They promised that I would have the check no later than XX/XX/XXXX. 

I never recieved the check in the mail like they promised, so I called them on XX/XX/XXXXXXXX  and I spoke with a supervisor that told me they didn't issue the refund, but they couldn't explain why they never processed it. 

This is my money that they are holding without my permission and they will not return it to me. I don't know what else to do at this point.

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 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been on XXXX for two years and had fallen behind two months. I applied for a modification because I was told that XXXX was an allowable reason for assistance. My wife is the sole wage earner and after reviewing our case they denied us for a loan modification. The denial letter stated that the reason was due to NPV ( net present value ). The denial letter was supposed to state the figures used to arrive at this decision. Unfortunately the denial letter provided some figures on income, value ... .it just arrived but I believe that the figures used were incorrect. According to my housing counselor our ratios for Income vs the housing expense ( PITI ) which is what HAMP looks at is at XXXX % and our rate is at 6.5 %, so based on this data if they were to lower the rate to 2-3 % then our PITI ( housing expense ) would be around XXXX-XXXX % meaning it would be an affordable payment. The investor is XXXX XXXX and we meet all of the criteria but the NPV denial makes it seem like we have no options. We 'd like to be re-reviewed and be given the data and figures used to arrive at a NPV negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : 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 2021-06-23
Company: EQUIFAX, INC.
State: GA
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 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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.

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: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I have been dealing with this bank Santander for a while trying to get money that is mine back to me. I leant money to a friend and supposedly the XXXX of the bank wanted me to pay XXXX to get XXXX XXXX from my friend. I never trusted the person who never gave me ID verification. He wanted access to ny bank accounts and drained them once during this time saying he wanted to keep my money safe from XXXX XXXX XXXX that he says that he has He claims that he can not share this aqs it is bank property.t rgotten the money back from them and it has been added to the XXXX which is now up to XXXX have been trying to get a document from the bank that says you need to give money to get money. This is not right especially if you are on social security fir them to be able to ask for more money that will be added to the total. I know that I am not the only one who is having this happen to because if XXXX XXXX  does it I am sure that other banks also do it. He never gave me account number where the money 's being held.

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 2023-10-16
Company: RentDebt Automated Collections, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been seeing this account on my credit report and I am not aware of where it came from. I called the company and the birthdate that they have on file is incorrect. The account number shows XXXX. The company refuses to remove the account from my credit report. 

According to 15 U.S. Code 1679c, inaccurate information should be removed from the credit report. The creditor has not been able to verify my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Nationstar Mortgage and Trustees, XXXX, herein, NS and Trustees, have continued to proceed with unlawful foreclosure. Numerous attempts have been made by homeowners, by and through their advocate, with written, telephonic, electronic, communications. All reasonable and lawful efforts have been exhausted and litigation has been initiated as a unfortunate and unwanted, last resort. 
A rescission letter was mailed to alleged interested parties, Pursuant to TILA, 1605 et seq. see attached To date, no response has been forthcoming from NS or Trustees, as required by law and confirmed in U.S. Court decision, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : " In the case of TILA Rescission the issue is closed, to wit : the unanimous decision of the US Supreme Court in XXXX was that the statute is not ambiguous and thus not subject to interpretation by ANY judge '' and again in, Minnesota Supreme Court in XXXX XXXX XXXX , No. : XXXX : " Here again we have the application of the simple formula proposed by the Supreme Court of Minnesota, to wit : nothing plus nothing equals nothing. " NS and Trustees acting as debt collectors as defined in FDCPA, and in CFPB XXXX XXXX Brief No. : XXXX, have made false and misleading representations in their actions while attempting to collect on alleged debt. Homeowners relentless attempted to validate alleged debt, all of which is well documented. NS and Trustees were non-responsive and act with impunity against Homeowners and more importantly a blatant disregard and respect for the rule of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
verizon - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine syncb/car care - account number XXXX opened XX/XX/XXXX - this account is mine XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to MrXXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX XXXX  XXXX. I was surprised because I was currently in the process with XXXX XXXX from XXXX XXXX of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. MrXXXX XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the 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 has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for reporting agency can not furnish an 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 2023-06-21
Company: JPMORGAN CHASE & CO.
State: IL
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 received a call from someone claiming they were with Chase. You're fraud department they said my card was compromised and that they were going to send me a digital card. I told them I didn't authorize anything. At the time this happened I was at work and at the time they stole all the money out of my account I was still at work. When I called Chase Bank and asked how they took the money out of my account. I was told it was taken out of an ATM 30 different times with a card from an XXXX that I do not own. I have never owned an XXXX I own a XXXX. I open the case with your fraud department and they denied me so I opened a second case and I'm still waiting to hear back if if the 2nd case. If the second case is denied I'm going to have to take legal action. I've attached documents to show that I was at work what money was taken and proof that I do not own an XXXX.

Company response to consumer: Closed with explanation