BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During the time that my mother was transferring the property to me, Nation Star broke into the house. At that time, the house was filled with personal belongings, specifically a lot of collectors items. After this break in, a lot of things were missing from the house. Nation Star ripped out wood floors, busted the ceiling open to get a safe that was hiding in the ceiling, and left the safe completely empty. 

After this happened, I called the XXXX XXXX Police Department and filed a report. When I went to the XXXX XXXX XXXX and Deed 's Office, the lady I spoke with said nothing was filed on this house that would give anyone the right to break in. She said that I needed to get an attorney. 

I called Nation Star and explained the situation. Nation Star did n't even know who owned the house and requested that I email them paperwork showing the house was in my name. After sending them the paperwork they requested, they gave me the lockbox code, were very apologetic, said they would write up a report of the break-in, and send me documentation showing that the lien was valid. Nation Star failed to provide me with the documentation I requested. They sent me a payoff quote and several emails with corrupt files that could n't be opened. They also never sent me the report of the break in. Nation Star went silent and I did n't hear back from them. I assumed this was because they realized they had broken the law by breaking into this house without following proper procedures. 

I decided to move forward with my plans to remodel the house and found a partner for the project. Then I quit claimed the house over to XXXX XXXX XXXX, a company I own, and XXXX XXXX. When my partner contacted a real estate agent, she informed us that the house was already foreclosed on and sold in a sheriff 's sale. I received no notice, no email, phone call, or letter in the mail. I checked the mail at this house at least twice a week and had a construction crew working on the house during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC 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 2023-01-26
Company: EQUIFAX, INC.
State: NV
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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX, XXXX XXXX XXXX, STATE OF AK SUPPORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a man called me from a Wells Fargo phone number, he told me he was from my bank and that my account was flagged for fraud. A man named XXXX XXXX was XXXX money from my account. In order for the transactions to be reversed I would need to go to XXXX and put XXXX as the First name and XXXX as the last name and the amount {$350.00} ( from my checking into the amount ) and a lady named XXXX from the fraud department would reverse the charge. He then had me put another amount of XXXX ( from my savings ) and send it to XXXX. I was getting suspicious and was on hold with Wells Fargo waiting to verify his credentials. Once an associate from Wells Fargo answered he hung up. I was on the phone for over 2 hours with my bank reporting this. Today, ( XX/XX/XXXX ) I contacted my bank and they said that the bank my funds were transferred to a bank, and that bank has been notified, but that bank has not returned my money. My bank will not give me any information so I can press charges against this person who stole money from my account. I have XXXX case # 's XXXX. XXXX XXXX. My account just 4 weeks before this, someone else stole my debit card number and went on a shopping spree, that is why I trusted this person who said he was from my bank, I really thought someone was withdrawing money from my account again. Wells Fargo has not been very helpful or even seem to care about getting my money back. Hoping someone can help.

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 2018-08-30
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX IS A COLLECTION AGENCY THAT IS STATING I OPENED XXXX CELLPHONE ACCOUNT XX/XX/XXXX I HAVE NOT OPENED AN ACCOUNT WITH XXXX AS IVE HAD XXXX. I USED TOO HAVE XXXX YEARS AGO BACK INXX/XX/XXXX. ACCOUNT NEEDS TO BE DELETED AS IT IS FALSE INFORMATION ON MY CREDIT REPORT. AMOUNT STATING OWED {$1100.00}.

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 2023-06-19
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I woke up and seen that my XXXX XXXX XXXX was missing. My heart dropped because I had a car stolen from my house before. I called the police and reported it stolen. Later that day, the XXXX police told me that my truck has been repossessed. I brought the truck on XX/XX/XXXX from the XXXX XXXX Police auto auction. I paid for it in full and have a clean and clear title. Since they took the truck on XXXX XXXX weekend, I had to wait until that Tuesday to find out what happened to my truck. The tow company told me that the truck was repossessed by Credit Acceptance. I called Credit Acceptance and they told me to send in my title and bill of sale, and they should release the truck in 24-48 hours. I called back in after 48 hours, and was told that they were still investigating. Finally on the XXXX of XXXX, they said I could have my truck back. I told them I had no way of getting it since it was towed out of state. After numerous calls, they agreed to tow my truck back on XX/XX/XXXX. My truck came back with a rip in the front seat. All my families ' belonging thrown together in a big bag. I called Credit Acceptance to see how they were going to remedy this saturation. They told me I had to have a before picture of the seat, which I do not have. I think most people do not keep before and after pictures of their car seats. They are not telling me what they are going to do about me missing work or the car rental I had to do to take my mother to the doctor. I can get the car rental agreement, but the picture of seat or my work information should not be my burden for their mistake.

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 2021-07-09
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Cancel my student loan debt please student loans have ruined my life - Please forgive my student loan debt it is a weight around my neck. I started out at a two year for profit college and only XXXX credits of my XXXX credits transferred to another school. For profit college XXXX XXXX promised jobs after graduation this was not the case. I went on to a four year college since there were no luck with finding a promised job. I was there for several years and still was not close to graduating since my credits did not transfer. I did a modification at {$370.00} a month only to be told that my 9 payment was not to be accepted because they did not take payment from my checking account. I had payment set up with auto draft in my checking account. Loan was sold and new company did not draft it right away. I was told I would have to start all over again.

Debt has impacted credit and rates on buying things. Growing up college was always said to be the road to a better life. This road has been nothing but a nightmare and it still haunts me today.

Respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NV
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 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 2023-04-13
Company: FIRST PORTFOLIO SERVICING INC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my job during Covid and took sick now on XXXX and now Im getting threading calls stating legal action will be taken as if Im going to jail their calling family members and friends about my personal business and I informed company its harrssment calling more then 3 times a day and calling everyone that might know me when they did a skip trace

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}

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 2023-01-12
Company: EQUIFAX, INC.
State: IL
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:
Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with XXXX, I have spoken with Equifax and I have spoken to XXXX, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be. 
Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXeference number : XXXX Record type : Bankruptcy chapter XXXXdismissed Court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred on XXXX XXXX from one servicing company to another. However, my house was sold and the closing is scheduled for XXXX XXXX with the title company. This scheduling was done several weeks ago without any prior knowledge of the impending loan transfer. I received the letter of transfer on XXXX XXXX and when I contacted both servicers to receive a payoff statement, neither of them are able to provide it to me. The previous servicer says that the loan is already transferred and they do not have a way to send me a payoff statement anymore. The new servicer says that the loan boarding process is not complete and until it is in their system, they can not provide me with payoff statement or anything else related to the loan. 
Without this payoff statement, I will neither be able to close the sale of my current home on XXXX XXXX, nor close of the new home I am moving into which is scheduled for XXXX XXXX. This results in penalties on both contracts, as well additional charges related to change of schedule for movers, furniture delivery arrangements, utilities and various other logistics involved in moving from one house to another, not to mention the immense stress this is causing me. 
I feel that, as a consumer, I should n't have to suffer or deal with consequences that are a result of a loan servicing transfer between XXXX banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from them stating that they will sue me. I responded asking them to provide the proper documentation proving that the debt is mine. They responded and said the debt is accurate and they are uncertain of what I am disputing. I wrote another letter specifically asking for a substantial proof and I was very clear about asking for my consumer rights of validation of debt. They sent another letter saying that they sent all the proof to the credit bureaus and didn't provide me with anything that I previously asked two times. 

I also sent a letter to the credit bureaus asking for an investigation and for documentation that proves that account is mine and they didn't send anything just a generic letter stating that the account was verified as accurate. 

I have attached the two letters I received from them asking for a validation. This shows they are failing to validate their claim and are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Upgrade, 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:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have a BofA " Premium Rewards '' credit card that includes a {$100.00} statement credit towards airline incidentals. The terms of are here https : //www.bankofamerica.com/credit-cards/terms-and-conditions/? XXXX & productoffercode=YE & locale=en_US **** XXXX XXXX XXXX XXXX. You are eligible for a statement credit of up to {$100.00} each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards credit card to pay all airline incidental fee transactions. 

... 

Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include : preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code ( XXXX ), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit : XXXX XXXX, XXXX XXXX, and XX/XX/XXXXXXXX XXXX. 

**** On XXXX XX/XX/2022, I charged {$30.00} x 2 for baggage on a flight from XXXX Nevada to XXXX California on " XXXX XXXX XXXX XXXX GA '', but was not re-imbursed for the charge. I contacted Bank of America, and they sent a letter that " XXXX XXXX '' was not on their approved list of airlines. However, there is no " approved '' list of airlines on the terms ; only a list of non-approved airlines " Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit : XXXX XXXX, XXXX XXXX, andXX/XX/XXXX XXXX XXXX. '' I have spent 4 hours on 6 calls explaining the terms, the agents can only open tickets with the back office, but without successful resolution.

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