BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I would like to report a violation of the Truth-In-Lending-Act by my mortgage loan servicer as follows : On XX/XX/XXXX I purchased my home with a mortgage loan from XXXX XXXX XXXX. At the closing, I signed the truth-in-lending disclosure statement which disclosed the monthly amount of the principal and monthly amount of mortgage insurance premium ( Varying from {$5.00} to {$4.00} monthly throughXX/XX/XXXX ). I  began paying the monthly principal amount plus the indicated MIP amount ( {$5.00} to {$4.00} in XX/XX/XXXX ). 

On XX/XX/XXXX the servicing of my loan was transferred to Nationstar ( now " Mr. Cooper '' ). I began getting charged the monthly principal amount plus {$64.00} for MIP, which did not match the MIP disclosed to me on my truth-in-lending disclosure statement. ( The truth-in-lending statement clearly states that my monthly payment amount includes the monthly MIP. ) In XX/XX/XXXX, my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was being charged monthly and the amount MIP disclosed to me on my truth-in-lending disclosure statement. They corrected the discrepancy from XX/XX/XXXX through XX/XX/XXXX by crediting my escrow account each month with the difference between the two amounts. In XX/XX/XXXX, Nationstar stopped crediting my escrow account with the difference, and I began getting charged {$61.00} per month for MIP. 

In XX/XX/XXXX my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was began charged monthly starting in XX/XX/XXXX and the amount disclosed to me on my truth-in-lending disclosure statement. I was advised to contact FHA directly. FHA then advised me to submit a complaint with the CFPB to report a violation of the Truth-In-Lending-Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report. 

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference. 

Thank you for your prompt attention to this matter. 

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 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
Fruadlent accounts appearing on credit reports. 

1. XXXX {$2200.00} 2. XXXX XXXX XXXX XXXX {$16000.00}

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 explanation
Consumer complaint received 2020-02-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The Company " LVNV FUNDING LLC '' has falsy accused me of having debt that I did not accrue. In addition they sent me a letter posing as a lawyer suing me for debt in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I hold 2 cards with capital one, one I've held since XX/XX/XXXX and the other I have held since XX/XX/XXXX. 
I have continued to request a limit increase on both of these cards and continue to get denied for no justifiable reason. My last and only increase on one card was XX/XX/XXXX and the other was XX/XX/XXXX.

After calling the company directly and asking why the denial for the limit increase ( s ) I was not given a direct answer as to why. Though the representative I spoke to did state to me on the call that I indeed do meet all of the requirements/qualifications for a limit increase.

Qualifications being : all of my payments have been made on time, no missed or late payment ( s ), as well as  keeping my utilization under the 30 % threshold. Though I was informed that I met all the qualifications for a limit increase on both cards, I was told they had no control. Though when I applied for both cards, it was advertised that there would be periodic limit increases provided all qualifications be met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Credit Karma, LLC
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I contacted Credit Karma Money Support to report unauthorized transactions on my account. I had left town to take my XXXX XXXX XXXX to the children 's hospital in Denver and while I was gone my XXXX XXXX XXXX son would be staying with his father my ex husband. I left my son my debit card for emergencies or if he needed food he was allowed to use it. His dad found out about this and bullied my child and threatening him until he gave him the card and pin. He had my son extremely frightened so he wouldnt tell me. I was so busy at the hospital that i didnt check my account and if the bank sent a confirmation text I would confirm it as I believed it was for my child. My ex husband drained my accounts of thousands of dollars I contacted the police and pressed charges there was an investigation and it was confirmed to be them by store surveillance as well as atm. Credit Karma credited a portion of the stolen funds however have refused to return XXXX in ATM withdrawals claiming they where authorized which is inaccurate. Credit Karma has all the facts to prove these where unauthorized yet refuse to refund the money. My ex husband is a loser and has no money which is why he stole mine. It's highly unlikely that I will ever get the money from him so I'm dependant on Credit Karma to recover my stolen funds. This is a significant amount of money and they are simply deciding they can not follow the laws and regulations they are obligated to adhere to. I have exhausted all options and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing company is taking a rediculous and incorrect amount of interest on my monthly payments on a simple interest loan. 
My payments are not being applied correctly. They are stealing interest. 
( acording to their own records attached and beginning on the last page in the 2013 year when they begun servicing the loan ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute a collection account of {$830.00} that my previous landlord filed in my personal credit bureau report against me. Even though It was paid in full since XX/XX/2016. I fulfilled my contract and paid all the dues. 
After I left the property and they gave me the thumps up, they came back with all these fees that I was due. I talked to the property management company and they told me that they no longer had any records and that they sold the condominiums. I contacted the Professional Debt Mediation in writing and over the phone and submitted all the payments and contract and they came back with a reduced fee of {$730.00} with no explanation on how they came to this amount, after I gave them proof from my bank along with the copy of their contract and pointing out their mistakes on my account ledger. The creditor " XXXX XXXX '' kept my pet deposit and they even have it on record and did not refunded my deposit or credit my account for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am submitting this CFPB Complaint to dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX XXXX. After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : Payment Status : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX XXXX on time, and I have documentation to support this claim. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. I urge the Credit Bureaus to review the Payment History information associated with this account and verify that the reported late payments are erroneous. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.

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 2020-02-25
Company: EQUIFAX, 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 recently ran my credit and noticed the below accounts on my file that are not mine. I have attached an IDENTITY THEFT report with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE

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 2019-03-21
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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent Acounts to my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$120.00}, Original Creditor XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Balance {$1300.00}, Original Creditor XXXX XXXX  XXXX XXXX XXXX ACC # XXXX, Balance {$1400.00}, Date Opened XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

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 2018-04-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I sent letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.

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 2022-12-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Closed accounts are still on report even though other credit bureaus claimed it was removed, such as lending XXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2019, I logged onto my Experian account to find that there was information from another individual on my account. I disputed some of the items immediately. However, many of them I was unable to do so online. I contacted Experian and was transferred to ( 4 ) different people. The first person coerced me into stating that I thought I was a victim of fraud, when I was not sure what was going on. The last person had me put information onto my account that I really did not want on my account. 
I was finally told by one of the specialists that my account was merged with someone elses. I questioned how something like this happens, and the response was that the creditors reporting to the agencies gave the wrong information. I am sorry but I do not believe that is what happened. I have never had this in the past. I check my report several times a week. 
I reached out to this person that my information was merged with so that she could check her credit report. At first, she was skeptical, as she should be when someone she does not know reaches out about credit information. However, after speaking she realized that I was on the level. Now one of my accounts is on her credit report and I must jump through hoops to have it removed from her report. I also had to reach out to Experian again on XX/XX/2019, to have two address that belonged to the other person removed as they did not remove them the other day. While I was on with them, I had them remove the other information that I did not want on my account. However, they will not remove the Personal Statement Fraud Alert unless I upload documents and I tried three times and it does not work, so now I have to mail it to their Texas address and hope that it gets taken care of in a timely manner. 
I checked my XXXX and XXXX accounts and neither of them had any information that was incorrect. I pay {$26.00} a month to Experian for credit monitoring and they make a huge mistake and merge my report with someone elses. That is totally unacceptable. One would think being hacked would make them a little more cautious with pertinent information.

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 2023-08-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
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:
On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen. 

I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and they also stated they never attempted to pull my XXXX credit report. 

XXXX CIT Bank and / or XXXX XXXX XXXX  are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted. 

Since I never applied for credit from either CIT Bank or XXXX XXXX XXXX  and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received a heloc loan from bank of America 15 years ago they recently last year sent me a letter stating that I have not made the payments and they wanted all the money now I have been paying on this loan for 15 years I sent them all the billing statements but they still wanted me to pay it again so they sent the whole loan total to a collection company XXXX XXXX XXXX  they demanded XXXX in 30 days I had to pay the whole loan again or face losing my home I sent the money and now sls wants XXXX more and will not give me a billing statement that shows what i have paid or what they think I still owe they are trying to take my house now again for 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