BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
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. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I filed for XXXX XXXX Bankruptcy in XX/XX/2020. Our Mortgage to Pennymac is paid outside of our bankruptcy and is not included. I have called Pennymac on numerous occasions to report accurately that we have continued making payments and that our account is still open, but they said they will not while we are in bankruptcy. 

I feel this is very unfair to us as a consumer because we do have an open account with them and have continued to pay our mortgage payment. I am including an activity payment log downloaded from Pennymac as proof of our payments. 

On XXXX and XXXX, our mortgage is listed as CLOSED. On XXXX, our mortgage doesn't even show up ( even though it used to ). I have put in a dispute with XXXX and XXXX in the past to get this resolved but with no luck. XXXX can't do anything because it doesn't appear on my report. Today, I once again put in a dispute with XXXX and XXXX to show account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This was sent to Nationstar Mortgage on XXXX/XXXX/2015, and to date I have received no response. 

Attention Nationstar Mortgage Customer Service : Subject : Loan Number XXXXXXXXXXThis is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : My loan was recently transferred from XXXX to Nationstar Mortgage effective XXXX XXXX, 2015. The loan was set up as a bi-weekly payment through XXXX at no additional charges to me, the customer. In addition, my next scheduled payment was due on XXXX/XXXX/2015. I received an email welcoming me to Nationstar and requesting that I register online to view my account. After registering online with Nationstar, I noticed my account 's next scheduled due date was pushed out to XXXX/XXXX/2015, my loan was no longer set up as a bi-weekly payment but rather was now on a monthly payment schedule, and my automatic payment was no longer in place. 
I called Nationstar customer services and was told that Nationstar does not support bi-weekly mortgage payments. After asking to speak with a customer service representative, of whom I spoke with both XXXX and XXXX, I was told the same thing, that Nationstar does not feel the term of my loan was altered in any way. I was also told that I could sign up through a third party vendor called XXXX XXXX at a cost to me, and they could provide the bi-weekly payment processing. I explained to both XXXX and XXXX that if I was not paying for a bi-weekly mortgage before, why should I have to start paying for XXXX now that my loan is serviced through Nationstar. 
I have attempted several times to work with Nationstar to resolve the bi-weekly payment situation with phone calls to Nationstar 's customer service department. However I was told that there is nothing Nationstar can do to correctly process my loan as a bi-weekly payment without an additional fee paid by me, which I am unwilling to do, because my loan prior to Nationstar handled the bi-weekly payment schedule without any fees. In addition, when a loan is moved from XXXX service provider to another, the automatic payment processing should also be properly converted over. Asking the customer to re-set up the ACH processing is minor, but the conversion to the new provider should be seamless. 
I can be reached at ( XXXX ) XXXX day or night in case a customer service representative wishes to contact me. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within XXXX business days. 
This correspondence is also being sent to : United States Department of Housing and Urban DevelopmentOffice of RESPA and Interstate Land SalesXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXSincerely, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : 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 2022-09-26
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-07-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I send my mortgage payment for athe amount of {$3600.00} on XXXX XXXX via XXXX XXXX and send another payment for $ XXXXthught USPS with tracking # XXXXnot XXXX the payments has been credit to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-06-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. DELETE INQUIRIES ASSOCIATED WITH ACCOUNT

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 2023-02-19
Company: Nelson Cruz & Associates LLC
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: Account status incorrect

Complaint:
On XX/XX/XXXX I checked my XXXX score on XXXX. It shows that I have an account open at Nelson and cruz associates. I do not know who these people are and was not contacted to resolve the debt before it was reported on my credit. I do not owe money to these people and I would like it removed feom my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Account information incorrect

Complaint:
On XX/XX/2023, XXXX XXXX reported on my Experian Credit Report that I owed XXXX on an account and I was 30 days past due. Upon checking my accounts with XXXX, I did not identify any acocunts with a balance of this amount or any accounts that were 30 days past due. Please remove this account from my credit report 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 2023-08-28
Company: EQUIFAX, INC.
State: ND
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. My husband, XXXX XXXX, passed away on XX/XX/XXXX due to a XXXX. I am on Social Security and XXXX. I have been raising my Grandson since he was an infant. Nationstar states that I can not be granted a loan modification because I was granted a loan modification in XX/XX/XXXX. That modification was granted to my husband, and not me, as I have only assumed the loan recently, and after his death. My Nationstar loan is set to go up yet again in XXXX, XXXX. I am barely keeping my head above water as-is, and Nationstar states that I would have to go late on my mortgage to be reviewed for modification. I find it unfair that I am being punished for making my financial obligation to Nationstar my XXXX priority. From what I understand, my income qualifies me for a loan modification and I, personally, have never been granted a loan modification as I was never on the loan prior to my husband dying, so there denial of my last assistance request is unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during COVID. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXX XXXX was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.

Company response to consumer: In progress
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello Navy Federal, my account was closed and online banking shutdown while i have an active balance in my account and im requesting to have my funds mailed to me in the form of a cashiers cheque.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: DISCOVER BANK
State: MI
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've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are improper inaccuracies on my credit reports. 

The account and payment history that I found to be inaccurate is : Discover Bank, Account number ending in XXXX They have stated that this account belongs to me and I have notified them that it does not belong to me and asked that it be removed entirely from all 3 of my credit files. 

In accordance with the Fair Credit Reporting act, Discover Bank Account ending in XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-20
Company: Prosper Marketplace, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeatedly called by Prosper for collection of a debt. On XX/XX/XXXX i contacted them by phone and asked them to please stop calling. I also changed my contact information on their website to the company that is handling my debt at this time. 
Since the XXXX of XXXX i have been called a total of 45 times. 18 times in the week of the XXXX to XXXX of XXXX. I have repeatedly called and requested that they contact the company in charge of my debt at this time. I have been met with rudeness and increased calls. I have blocked the number from my phone but to no avail.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number XXXX XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2021-05-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed an application for a loan refinance on XX/XX/XXXX. Today is XX/XX/XXXX. Every question has been answered on more than one occasion. Everything has been documented in full with no reasons for such a delay or adverse results. The appraisal on my home was nearly twice the amount requested for refinance. I believe that due to my age at XXXX I am being adversely selected against due to the 15 year term of the requested loan.

Company response to consumer: Closed with explanation