BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification over a year ago. I have completed the package three times and sent all require documents requested by the mortgage company. Each time about three months into the process they closed the modification for missing documents. 
They do not response to email, fax, are phone messageXXXX mail. I call they put me on hold for hours then they said call back in 5 days. Over a year it is impossible to get a application in their system. They are raising my payment every six months which raise my payments by XXXX. My loan is current so do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted Navient by phone ( an ordeal in itself to get a human being ) about 3 weeks ago to inquire about my loan interest when I became aware that I was not enrolled on Autopay, which offers a lower interest rate. I recall I had enrolled in autopay years ago and never stopped it. I kept being told that I had made a phone call to terminate autopay ; the first individual told me my interest rate prior to XX/XX/2015 was $ 6.625 % and {$6.00} after I terminated autopay on XX/XX/2015 by phone call to them. I asked to speak to a supervisor, who told me that I had " never had autopay '' that it had been denied because one of my loans was too old to qualify therefore that old ( and smallest of of loans ) disqualified me for the lower rate. She said if I wanted more information, to email them. I did email Navient requesting documents showing my interest rate prior to XX/XX/2015 and after or any changes in interest rate on their records, and proof that I had disenrolled in autopay ( I never, ever called them to stop it. ) I never received information that I had been turned down for autopay because one loan did not qualify due being " too old. '' I could not find information on their website about what qualifies you for a lower interest rate through autopay. The response to my inquiry was exactly the same they told me on the phone, without any documentation showing my interest rate before and after XX/XX/2015 or proof of my phone call, which is a total lie. 
This is their impersonal ( no individual name preparing it ) response to my written inquiry : Our records indicate that you applied online for the Auto Pay program on XX/XX/2015. Your request was approved on XX/XX/2015. You requested to terminate this program by phone on XX/XX/2015. 

I really appreciate your help on this matter. Either Navient engages in fraudulent practices or their customer services staff is outright unqualified. The result for their customers is the same- tremendous frustration and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the fair credit reporting act XXXX account number # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a 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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 I wrote to transunion to fix my credit report by removing items that are not correct. I asked in the letter I sent on XX/XX/21 for them to send me documents signed showing I did this and they have not complied. Recently I spoke with the XXXX court who stated that they dont have any record of a bankruptcy sent to transunion, which is reflected on my XXXX report no bankruptcy. After asking transunion to remove this inaccuracy they sent a letter backed saying it was verified which is not correct. Please 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: Bridgecrest Acceptance Corporation
State: FL
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : BRIDGECREST XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have you received an email that you are looking int my complaint XX/XX/XXXX XXXX and have heard from you since. 

Can you give me an update of your findings? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Commonwealth that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: CT
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 my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 CT XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021 and XX/XX/2021 my credit got ran for a chase credit card ( JPMCB card ) and on XX/XX/2021 my credit got rand for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Platinum MasterCard ending in XXXX was opened without my knowledge and consent. I never applied for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My american express card was charged for a {$130000.00} on XX/XX/2023 transaction ref. # XXXX to XXXX. This transaction was not authorized by me, I have disputed this transaction with american express and XXXX, who processed the transaction. I have reached out to the merchant as well, who has been attempting to refund me the money but XXXX has frozen the funds and will not release the funds to either myself or the merchant. I need the funds released immediately from XXXX and refunded back on my american express card. OR, I need american express to reverse the transaction and remove the charge from my card. XXXX payment ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive reached out to XXXX Transunion and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXX XXXX XXXX and XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX # XXXX ======================================= UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ======================================== 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 of 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Information belongs to someone else

Complaint:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$66.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2015-05-06
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage has received numerous completed loss mitigation applications from me requesting a short sale on my property since XXXX XXXX. I have made several complaints against them via this website with regards to their handling of this process and my account. All of their responses deny any wrongdoing and they outright lie about their actions. Nationstar has failed to send me the customer, the appropriate notices required by CFPB regulations regarding my loss mitigation application ; utilized unfair and deceptive communication and actions ; failed to timely decision my numerous loss mitigation requests ; and most recently is guilty of dual tracking. I received a letter dated XXXX XXXX, XXXX from XXXX XXXX, XXXX attorneys stating Nationstar has forwarded my account to them for foreclosure while at the same time they currently have a completed loss mitigation application they have not decisioned. On XXXX XXXX, XXXX the current negotiator advised my realtor through XXXX that a decison could be expected this week. Needless to say, that did n't happen. Additionally, I received a letter dated XXXX XXXX, XXXX from Nationstar stating they received my sales contract and requested yet another Hardship Affidavit and that the short sale request review will not even begin until this is received. In responsse to my last CFPB complaint, Nationstar provided a list of documents they needed to complete my application. They were submitted as requested by the date they requested. And now this. This whole process has been unbelivable and completely unnecessary simply because Nationstar is not following the law. 

I require the following : 1. Remove my account removed from foreclosure. 
2. I want the complete timeline of the communications between Nationstar and my realtor since the initial short sale request was made in XXXX XXXX. 
3. I want all notices that Nationstar claims to have sent me throughout this process including but not limited to Acknowledgement Letters, Incomplete Information Notices, approval and/or denial letters, delay notifications, etc. 
4. Provide a decision on the current request. They have all the documents they have requested ten times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account name : DEPTEDXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX FL ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2019-07-16
Company: EOS Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally sent a validation of debt letter to the EOS CCA XX/XX/2019. The letter was ignored. Then I wrote a second letter to EOS CCA. I will attach the letter to the CFPB today. The letter included a cease & desist. For this reason, I had the document notarized by XXXX CT. town hall. I immediately sent the document to the EOS CCA collection agency. I was explicit in instructing EOS CCA in the validation of debt letter to explain several key points. I asked for clarification about how the amount in question had arrived. I asked the agency to complete my request in a way in which I can understand. For good measure, I asked that EOS CCA prove that they're licensed in my state. The agency were requested to provide their license number to me. In the end, my letter instructed EOS CCA to ONLY contact me through the United States mail. On XX/XX/XXXX I received in the mail EOS CCA 's response to my validation of debt letter. I have enclosed the agency document for your review. Altogether, my requests were completely disregarded. In the final analysis, the response shows no details of how the alleged amount was calculated. The agency proceeded to ignore my request. EOS CCA contacted me XX/XX/XXXX through my cell phone number. They demanded my social security number in order to verify me which I was not comfortable giving them. The rep insisted there was no other way to verify me and as a result their was no just reason to respect the cease and desist?. In brief, my work number was never provided to them by myself and XXXX XXXX never had my work number. The representative made mention that in their notes they were well aware of my cease and desist. They still contacted me through my work/cell number after I stated only by mail. I have been given no reason to trust this agency especially with such personal information. All things considered, EOS CCA has violated my rights over and over again. Given these points, I am enlisting the help of CFPB that EOS CCA agency CEASE & DESIST immediately.

Company response to consumer: Closed with explanation