BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
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: Investigation took more than 30 days

Complaint:
In XX/XX/2019 I wrote, via mail, XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX, billing manager for XXXX XXXX XXXX ( now listed as XXXX XXXX XXXX ), contacted me via email in reference to two charges ( {$54.00} and {$29.00} ) showing on my Equifax report as unpaid collection accounts. I had cdisputed the validity of the charges and requested he remove them from collection. He said in his email he would investigate and get back to me. 

On XX/XX/2019 XXXX XXXX replied, stating the charges were billing errors on their part. He said he would request XXXX XXXX, the collection company, delete the collection. He said the CRA,   Equifax, should have it removed from my account in 30-35 days. 

On XX/XX/2019 I inquired of Equifax the status of the aforementioned action. They showed nothing in the works. I was told I could start a dispute and it would be resolved within 30 days. During that phone conversation I started a dispute ( # XXXX ) and later that afternoon faxed supporting documentation -- my email correspondence with XXXX XXXX. 

When I inquired as to status of my dispute XX/XX/XXXX, I was told the support documents never got put with the original dispute and that the original dispute had been closed out ( apparently as incomplete ). I was told another dispute would have to be started ( XXXX ) and it would take up to 30 days to complete. I suggested they rush it since it was their mistake the documents didn't find their way into the first dispute file. I told them they had until XX/XX/XXXX, the original dispute deadline and then I was initiating a complaint with the CFPB. 

So here we are. Any reasonable person could look at the email from the original creditor, realize it was an unfortunate error, and make haste to remove this damaging information from my credit report. But apparently reasonable people are not to be found at Equifax. This is very disturbing. 

I've attached the information sent to Equifax, including the time stamped cover page showing they received it on XX/XX/2019, as I stated. 

Thank you. Your organization helped me last year with a similar situation and I am very happy there is someone who can give us help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I wrote a letter to nelnet on ( XX/XX/ ) trying to see how i was late on my student loans. I even asked for signatures as well as proof so i can verify this against my credit score. They stated that it was verified even though they did not send me anything that i can see that it was valid. These late payments are hurting my score and my credit worthiness. Please see attachments for the letter i sent, I sent it certified mail and here is their reply. The reply is not appropriate because they did not send me any documents that answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
21st Mortgage Corporation ( hereafter the mortgage company ) is suing me for possession of my home. My husband XXXX XXXX died on XX/XX/2021. I am the Successor of Interest because I am his wife of XXXX  years. 

The mortgage company was in communication with me about bringing the payments current up until I advised them that I would not be able to bring the account current. 

The mortgage company would not answer my question about whether or not the mortgage had private mortgage insurance that would cover the entire amount owed in the event of death. 

The mortgage company did not attempt to contact me again directly via mail or phone regarding loss mitigation options. 

The mortgage company sued me and attempted to serve me the first time on XX/XX/2021. In the suit they lie and state that the loan has been accelerated and foreclosed on which is an ABSOLUTE LIE - ( see the attached Notice of Delinquency dated XX/XX/2021 ) which was mailed over a month AFTER the lawsuit was filed. 

They are seeking possession without having any proof of my identity or proof of my husband 's death. They are not seeking monetary relief in the illegal lawsuit because they can not, I am not on the note - yet. 

The mortgage company is in violation of multiple requirements designated by the CFPB with regard to handling the rights of a successor of interest/heirs of a deceased mortgage holder. 

The mortgage company has communicated with the landlord of the lot my husband rented in order to bully and intimidate me into moving. 

The mortgage company used aggressive and scary tactics to attempt to serve me including having a woman scream my name at my door and yell out that the Texas Supreme Court was serving the papers ( for the illegal lawsuit ) on XX/XX/2021. 

Despite my posting No Trespassing signs on my door the mortgage company again sent a person to knock on my door on XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

During one of these trespassing incidents the person banged on the mailboxes outside and when I opened the door a man in a white truck with tinted windows sped away. This was very upsetting and scary as I am a widow now, I live alone and have no friends or family nearby. 

I will be filing the proper inheritance forms with the county this week regarding the mobile home - an Affidavit - Statement of Inheritance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started in a loan modification program for my mortgage in XXXX of XXXX. I paid three trail payments, XXXX, XXXX and XXXX of XXXX and returned the signed and notarized paperwork ( notarized by my lawyer ) in XXXX of XXXX. That completed the modification process and I continued to pay the agreed upon mortgage amount every month since. I have bank statements showing my payments have been made and are on time ever since. 

In XXXX of XXXX, I logged into my account online and noticed my account was showing past due. I called Loancare, was transferred to a superior who looked into the issue and saw there had been a miscalculation made in their underwriting department which was causing this issue. I was assured the issue was being escalated to be resolved. I have since been calling Loancare several times a month for the past 5 months - this issue has not been resolved, the calls I'm told will be returned are not and the issue persists. I continue to pay my mortgage, and each month it is showing I am behind - essentially my payments are not being applied properly. 

I have been approved by another lender to refinance so I can get away from Loancare as they won't resolve the issue, but because the issue is unresolved, and my payoff being given by Loancare to the new lender is showing I'm behind, I can't refinance. I have given my new lender authorization to communicate with Loancare and they have spent over 6 hours on the phone with them over the past three weeks- still being promised that the issue is being escalated and someone will call them back with resolution, but no call backs have been received. 

It feels that Loancare is being unethical holding my business XXXX with them as they refuse to resolve an issue that I have been trying to resolve for several months. This is negatively impacting my as I have the opportunity to get a lower interest rate and with each week that passes, I loose the chance to do so.

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 2021-02-16
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my late partner opened up a discover card under my name and social security number ran up a XXXX debt, which i had no idea, and now i am being sued for that debt. i should not have to pay this. as it was my partner who died in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
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:
Unfortunately my auto pay was turned off on my XXXXXXXX XXXX XXXX  did not properly notify me until I was almost 2 months late. Their emails did not indicate that I was late on a payment the subject line just said your payment is due. Anyways it was a {$30.00} payment I paid the card off the balance was only {$200.00}. I have excellent credit I have many open credit cards I am below 25 % on my credit usage. XXXX reported it to XXXX and XXXX they dropped my credit score by XXXX points because I had such a high credit score. Now my credit score is poor. I had a XXXX now I am down to a XXXX. Why is it that they can get away with dropping credit scores over XXXX down XXXX points for 1 late payment yet someone who has a XXXX credit score will only lose XXXX points in a situation like this? 
That is my problem why did I not only lose XXXX points? 
Why do I get XXXX points taken off? 
Plus they did not evaluate my entire credit situation and everything that has been paid on time for the past 7 years. How is this fair reporting? That is my question.. why are we not looking into how they choose who gets XXXX points for a missed payment and who gets XXXX points? It doesn't pay to have good credit evidently

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 2023-01-14
Company: SYNCHRONY FINANCIAL
State: FL
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:
They call my ex husband and left a voicemail. They called me and left the same voicemail. Have proof of both. 
I returned there call asked was there intent of? He claimed they had been trying to get ahead of me since 2020 ( I believe ) he read off some personal information and asked me if that was correct. Told me I owed his client for a Ashley credit card. Proceeded to tell him I never had an Ashley credit card. He said so you never went into Ashley signed up for an Ashley credit card showed your drivers license in the store and youre going to tell me on a recorded line. This is not your debtband I said no Ive never had an Ashley credit card and I said you can do that online. Ive tried to dispute this I said it is not my debt. I do not owe Ashley anything Ashley is by synchrony bank. I do not have anything on my credit Pertaining to an Ashley credit card by synchrony bank.. I told him if he was going to sue me then he needed to serve me. He proceeded to tell me it was not because he was going to sue me. It was because I havent got a hold of his client since 2020 I believe. I will post a copy of the voicemail. They left to me and my ex-husband where it clearly states they said they were gon na come to my door and I needed to show I didnt identification because I had to sign for something.. I feel like I was threatened..

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 2021-07-30
Company: MAJR Financial Corp
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX MAJR FINANCIAL {$5000.00} limit

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: United Collection Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

UNITED COLLECTION BURE XXXX Balance {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions 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:
Let me get started by saying the Fraudulent information related to the Identity theft that has occurred on my Experian Credit Report, was mostly resolved however they continued to allow a few inquiries to be listed on my credit report. These are fraudulent, I did not authorize any of these companies to view my credit file. I did not authorize the company to review any soft inquiries either. I have already sent in my FTC Identity Theft Affidavit to Experian, They have my law enforcement documentation. 

I sent a previous complaint last week, and Experian 's response was they have to kindly reject my request to have this fraudulent information blocked from my credit file, Even though they were advised these inquiries as a result of Identity Theft. They did not provide an investigation, and I feel like their handling of Identity Theft, Is not only wrong but very against the law. Experian Violated my Rights as a consumer after advising them i was a victim of Identity theft to allow these creditors to review my credit file even with a security freeze on file. These credits did not follow the FCRA Fraud ALERT on my file either. I never received a call. I believe this is violating my rights as consumer and Experian did not handle the Identity theft information very well. Especially since in my previous complaint they were advised of the fraud and they " Declined my request to have the information blocked. " By law they were notified of the fraudulent information, they were provided law enforcement documentation, this has been reported and sent to Experian and even as a subscriber they do not care about consumers or victims of identity theft. I do not appreciate the way the last claim was handled, especially since it truly showed Experian doesn't follow the FCRA laws. 

The fraudulent inquiries are listed below. 
XX/XX/2018, XXXX XXXXk Consolidated. 
XX/XX/2018 XXXX XXXX - Not Authorized Inquiry. 
XX/XX/2018 XXXX - Not Authorized Inquiry. 
XX/XX/2018XXXX XXXX XXXX - Not Authorized Inquiry.

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 2023-10-14
Company: EQUIFAX, INC.
State: IL
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:
Improper and inaccurate information on my Credit Report, from Equal Fax that in includes. False information from XXXX XXXX, that was Prepaid in full by where of ALL ACCOUNTS are Prepaid see. Title 31 section 3132 Payment of the public interest on the public debt. see title 31 section 3130. Title 18 section 8 Obligation or other security of the Unites States, more importantly see Title 31 section 3124 of the United States Exemption from Taxation. XXXX  is harassing causing Irreparable harm and trying to extort me of an amount of XXXX where it is paid to the Bearer in full whereas by Law they must Accept for Value and return the debt instruments legal tender of the United States which in the UCC 3-306 / UCC 1-304 / UCC 3- 306 without prejudice and recourse 1-308. This is EVIDENCE OF DISHONOR. again, XXXX  ( violation of 15 U.S.C 1692b ( 2 ) ) a state i do not live in and is Tring to collect a DEBT of XXXX that's prepaid in full XXXX # XXXX, that was ( XXXX ). Also XXXX XXXX XXXX  balance was paid in full XXXX # XXXX XXXX XXXX XXXX, These accounts was paid off ( XXXX ) to the XXXX either by, insurance or. using my social security card trust fund account without my permission filing a 1099a allegedly. Wherefore Equax Fax use this fraud information to lower my credit score wantonly, and deliberately. Some of or all of these company 's reporting to Equal fax does not have pursuant FAFA of 1938 as amended. Violation of UCC 3-305 ( c ) and 3-601. for I'm left without action or recourse _NO REMEDY AVAILABLE. " Liability DISCHARGED, without prejudice Pursuant to UCC 1-207, 3-305 and 3-601. Receipt of government " benefit is under PROTEST, pursuant to UCC 1-207, 1-308 and 3-305 ( c ). Wherefore I am already a victim of Equal Fax security breach from 2017. 15 U.S.C 1681 section 604 ( 2 ) States i have a right to privacy. this is willfully FCRA violations in which i Fraudulent willful intent by two or more Officials, whereas in title 18 U.S.C 2831 is Treason. U.S.C section 1692 ( F ) unfair practices ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( A ) ( B ) ( C ) - ( 7 ) ( 8 ) as amended Oct 10 2023. 15 U.S.C 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) ( i ) ( ii ) FCRA 623 and FDCPA violations 15 USC 1692c ( c ) and to many violations to mention unbeknown to me at the time of complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since  XXXX / XXXX / XXXX , I have been Disputing fees charged by Nationstar Mortgage.     I was forced to Close escrow and pay disputed fees on  XXXX   XXXX ,  XXXX  or be subject to  Breach of Contract with the Buyer.      The amounts in Dispute on my Closing Statement with  XXXX   XXXX   XXXX , are Interest owed in amount of {$3900.00}. Amount of {$14000.00} for Escrow Advances. Legal fees in amount of {$420.00} and lender paid expenses in amount of {$440.00} ; assuming legal and lender paid expenses are a result of misapplying payments and charging for an Escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
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 account # XXXX Account name : XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 7:48 98 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 2019-10-03
Company: Experian Information Solutions Inc.
State: VA
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 or about XX/XX/2019. I submitted notification to all 3 credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.

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