BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Armada Corp.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I received a collection notice from Armada Corp of Nevada. This notification referenced a dollar amount {$770.00} only. This dollar amount was not familiar to me and I have paid every medical bill I've received. The notification did not reference the date, any creditor info or details of the dollar amount. I called Armada. Requested supporting docs be emailed to me. Armada stated they didn't have ability to email. Requested supporting docs be sent via postal mail. To date, nothing received. Today, I was served with a Small Claims Complaint for this {$770.00}. I immediately called Armada, spoke with XXXX, advised her that I never received any supporting docs on this matter. Requested emailed docs again. Was told again that she didn't have the ability to email. XXXX will mail the supporting docs. XXXX stated that this {$770.00} was for a doctor back in XX/XX/XXXX. That was 3 years ago. I don't have any bills, invoices, statements from any entity that are unpaid. You can not retain and hold bills for 3 years, fail to provide supporting docs, fail to email, mail or call and then sue someone. If the debt is valid, I will pay the {$770.00}, but to date, I have not received anything, after requesting it, to support this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Please remove this item which is not authorized by me, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Their investigation did not fix an error on your report

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 and caused defamation of my character : 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 
12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: MI
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:
Over the past month I have filed several CFPB complaints for an XXXX XXXX account in my Equifax credit file. That account ends XXXX. I provide twenty ( 20 ) to over one-hundred ( 100 ) pages of documentation with each complaint. On the very first page of each dispute I provide the information needed to identify the appropriate account/tradeline to dispute. In many cases it is the page from a recent credit report for the account/tradeline. Moreover, I provide the account number " ending in '' and/or the full account number with corresponding instructions in the desired resolution section for each complaint. Equifax does not examine the accompanying documentation, not even to obtain the information necessary to identify the appropriate account on the credit report. Equifax does not appear to even read the resolution section before filing a dispute. Instead Equifax blindly disputes any and all accounts reported by the same firm, independent of the account/tradeline. For example, with each CFPB complaint filing for XXXX XXXX, Equifax disputes XXXX and XXXX. There is now years of payment history for account ending XXXX that is missig. Essentially, Equifax " XXXX XXXX XXXX  at the wall to see what sticks. '' It shows Equifax has XXXX ( XXXX ) interest in actually conducting ( re ) investigations and often times will have their employees haphazardly process disputes and/or CFPB complaints. As consequence, I have observed XXXX, and another XXXX XXXX, scheduled to report until mid XXXX disappear intermittently from my Equifax credit files, or have years of payment history wiped, causing fluctuations in credit scores. When Equifax then seeks an update for the account I did not dispute, the fraction of relacement payment history returned by XXXX for the XXXX account trade is less. In contrast, it appears Equifax makes every effort to persist the false/misleading/inaccurate ( AND ) defamatory information for account XXXX. There is nothing reasonable about Equifax operating in this capacity and it can cause significant errors it credit files and/or swings in credit scores. That is, Equifax thier XXXX practices are likely to cause harm to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo would change the order checks and withdrawals would appear to maximize NSF fees

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 2019-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
B of A is stonewalling on sending release of lien on my property following final payoff. I want details on who they contacted and to have someone assigned to expedite return of bank lien release document. I may go to the media if necessary. Thirty day period has elapsed.

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 2016-10-06
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was bought by Nationstar Mortgage. In fact, in XX/XX/XXXX, I almost paid my mortgage to XXXX because the alert that mine had been purchased came when I already had a bill to pay XXXX rather than the new owner. I had already written my check when I noticed that Nationstar was not announcing that my new owner wanted payment when the switch was complete, but instead, I needed to switch NOW. A very shady conversion and shoddy timing an unfair amount of time for the consumer to adjust. 

I sent my payment in XX/XX/XXXX and my check was cashed on XXXX XXXX, XXXX. I just opened my new statement and my XXXX XXXX payment was not noted on the Nationstar statement for XXXX. My new bill said that I am a month behind. I owe a penalty and the last payment and the new payment. Again, shoddy timing on their part. 

I called to see why I got this bill since I can prove that my mortgage payment check was cashed on XXXX XXXX, well within their 15 day requirement. In other words, their new statement for XXXX was sent on XXXX XXXX, interestingly, the same day they cashed my check. My check was not late. In my phone call I confirmed that a payment for the first of the month is not late unless it is after the XXXX of the month. 

I have never been late on any mortgage payment for more than 30 years. This mortgage is on property that I still own because of the crash in XXXX. I live in Ohio but I have not been able to sell the property in question because of a depressed market that has never fully recovered. I am upside down if I try to sell it so I keep it and rent it out. 

I want this corrected. I want everyone to know about the timing of this crooked mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Penn Credit Corporation
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i did not have this bill in my name for more than 2 months. i had called them and spoke tio them and they were very rude. they said my bill was {$1300.00} in XX/XX/2016 to XX/XX/2016. i also paid money upfront.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CL Holdings LLC
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i moved across the country and we lost all our id and papers a few years back and now getting lives back in order. we put in a change of address and did not recieve a bill or call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage LLC ( XXXX XXXX ) has ignored our requests to correct a problem created back on XXXX 2015 when the monthly auto-payment for XXXX mortgage loans was suspended without notice. 
Since then, Nationstar Mortgage LLC stopped/started partially posting our on-time monthly payments to the accounts in violation of loan servicing and breach of contract laws. Instead each month after XXXX XXXX, the company began to add late fees, property inspection fees, and derogatory reports to our credit history. As of today, the problem is still present. We have received foreclosure notices, phone calls from the costumer 's service staff threatening us with a number a nasty, unfriendly and scary tactics demanding payment even-though the monthly payments to these account are send in before due dates. We are looking for your assistance in getting this problem resolved since the company has ignored all our pleas for a rapid solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 is another complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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

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 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NJ
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2020-04-14
Company: EQUIFAX, INC.
State: IL
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:
Equifax requested id info for the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$5100.00}XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}

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 2016-10-07
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since the purchase of my house throughout the tears I have been switched mortgagers several times. My newest one is Nationstar, recently through filing an insurance claim due to a hailstorm I found out that the previous insurance company I had always been insured with had been dropped because it had not been paid. Money for them was set on escrow and so they should have been paid. Bc of the drop I was assigned another company which is completely expensive. 
My claim is geared towards Nationstar for not paying XXXX XXXX XXXX and therefore getting me dropped from their service. The money was there. I will not accept this change due to the irresponsibility of a company that should be taking care of me! But of course, is very punctual when it comes to requests of getting paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX   violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report this is a violation on my consumer protection rights.

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 2023-07-08
Company: JPMORGAN CHASE & CO.
State: IL
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/XXXX at XXXXXXXX XXXX I was contacted by a number that was the same as chase bank ( XXXX ) XXXX ) it was the same number that is on the back of the chase card but it said potential spam but I thought it was chase because it was the same number they told me there was potential fraud on my account and said they are going to send me a text the text I received was a fraud text for {$1000.00} dollars and they told me press yes and when the call ended there was 4 {$1000.00} withdrawals which doesn't make sense because my daily withdrawal limit is {$1000.00} per day so I don't know how they were able to take out 4 seperate {$1000.00} withdrawals. I don't know if it was a chase employee or a scam I filed a claim with chase and they denied my claim because they said I authorized it and told me to send proof that it was not me so I went to a chase branch and submitted proof ( the fraud email and screenshot of the incoming spam call with the chase number ) and filed an insertion claim with the evidence and they denied my claim again saying the evidence was insufficient and their hands are tied and when I asked to speak to a manager they said no and that there was no supervisor available to speak with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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 Convergont Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2023-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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