BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-07
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX of 2016 Nationstar Mortgage has posted payments at their will with no particular pattern at times to the regular payment then at times to the principal. This type of posting gives the appearance that I am missing payments. Then they even charge late fees.
This is a never ending dispute with hours on the phone with Nationstar saying they 've corrected the issues and made the appropriate adjustments to the Loan.
They constantly harass me for missed payments which solely lies in their accounting and servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXXL XXXX {$1300.00} XXXX DEP XXXX XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}

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 2023-08-09
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: Account information incorrect

Complaint:
Upon careful review of the Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer

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 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I will be a visiting fellow from XXXX at XXXX XXXX  this fall. I visited XXXX last spring and opened a checking and a savings account with Bank of America last spring. I transferred over XXXX dollars to these accounts in May. On XX/XX/XXXX Bank of America sent me a letter closing my accounts with no reason given. There has been no banking incident since the opening of my accounts. I contacted the bank. The person on the phone could only tell me it was a corporate decision and would not give me any reason for their decision

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 2017-08-25
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. I have attached two default notice 's I received from XXXX XXXX XXXX and calculated figures from two billing statements listed below. 

1. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$2800.00} 2. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$1100.00} The totalling of both balances above comes to {$3900.00}. These calculations shows I was delinquent on my mortgage of six payments behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a legitimate collection account. The debt was originally with XXXX  and was assigned to Midland Credit Management and was being handled by their attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH phone XXXX Account # XXXX. Original amount was {$3800.00}. This account was settled over the phone on XX/XX/2021 for {$2700.00} by my attorney XXXX XXXX XXXX XXXX MA phone # XXXX. It was paid for over the phone immediately. Despite being settled, XXXX XXXX obtained a default judgement in the XXXX MA XXXX XXXX on Thursday XX/XX/XXXX Docket number XXXX. 

To obtain this judgement post settlement is at best poor communication ; at the most unfair deceptive and abusive. XXXX XXXX is not returning calls to my attorney. My attorney will be filing a motion for the judgement to be set aside but the judgement was unfair. 

Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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. 

has violated my rights. Or a 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. 

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 non-monetary relief
Consumer complaint received 2017-08-28
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. NationStar paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either. I need this information corrected on my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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 have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Stern Recovery Services, Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
Greetings, This is a formal complaint against Stern Recovery Services for violating my HIPPA rights. I requested removed from all three credit reporting agencies which includes XXXX. The actions of XXXX XXXX XXXX XXXX violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Stern Recovery Services in their question to damage my credit standing based on motivation and retaliatory tactics for filing a complaint against Stern Recovery Services Inc with the North Carolina Office of Financial Regulation. Please review the following attachments. Stern Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2022-04-27
Company: CBC Companies, Inc.
State: NY
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 XXXX AND NO OTHER NAME AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I RECEIVED MY REPORT FROM INNOVIS AND THEY HAVE ME AS LATE FOR MY XXXX CARD. i HAVE NEVER BEEN LATE AND THIS WAS VERIFIED WITH MY CREDIT CARD COMPANY. INNOVIS IS INCORRECTLY REPORTING ON MY FILE WHICH IS AGAINST MY CONSUMER RIGHT ALSO IN VIOLATION OF 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on a XXXX XXXX XXXX program since XX/XX/XXXX which included a Payment Deferral. This forbearance program hit the maximum number of months allowed and payments resumed XX/XX/XXXX. With anticipation of this and knowing I could still no longer make the full monthly payment, I applied for a XXXX XXXX XXXX in XX/XX/XXXX. This application was completed verbally. I received a letter dated XX/XX/XXXX denying my modification noting the account does not qualify for Mortgage Assistance. I was assigned a Relationship Manager, XXXX XXXX, whom I have attempted to contact many times and only spoke with once. He was no help to me. 

I reapplied for XXXX XXXX XXXX again in early XXXX. This time I completed a full formal modification packet including : mortgage assistance application, mortgage statement, property tax bills, utility bill, insurance declaration page, tax returns for XXXX and XXXX, divorce settlement agreement, last XXXX months of ALL bank statements, a complete monthly budget, profit/loss statements for the last XXXX months for my business and XXXX hardship letters- XXXX from myself and XXXX from my XXXX 

I stated that my hardship began when my husband left our family in XX/XX/XXXX and took his income with him. I started my own business in XXXX to support my family. 
I am a single mother raising XXXX boys. In XXXX I was diagnosed with XXXX XXXX  and had a XXXX XXXX removed in XX/XX/XXXX followed by XXXX and XXXX  I had XXXX in both XXXX, my XXXX, my XXXX XXXX and throughout my XXXX XXXX. After being in XXXX my XXXX returned, and I had a XXXX XXXX removed in XX/XX/XXXX. This resulted in a XXXX fusion, more XXXX and a return to XXXX My treatments continue currently. 

I sent my complete XXXX XXXX Assistance application on XX/XX/XXXX. I called the mortgage company daily to confirm they received the entire packet. On XX/XX/XXXX I was told that the packet had been received that day and sent to the underwriter. I received a letter in the mail dated XX/XX/XXXX denying my XXXX XXXX noting the account does not qualify for Mortgage Assistance again. This was the same exact denial letter I received for the first verbal application! I also received in the mail, at the same time, a letter dated XX/XX/XXXX stating that my XXXX XXXX XXXX had been received. This letter was dated a day later than my denial letter! 

These facts confirm my belief that this mortgage company did NOT conduct a proper review of all my documents! This would include evaluating my extenuating circumstance, as outlined by my oncologist, and the effect this XXXX  has on my immune system. 

I was able to make XXXX mortgage payment at the end of XXXX but unable to make my XXXX payment, as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The company had a check image deposit option which did not work at all over the internet. After downloading the app, and trying to take a photo of the check which was to be deposited, the check did not appear in the box created by the phone 's camera. There was no image of the check saved to the app. The amount of the check was blocked, and the actual digits which were being given were a lesser amount of the check as they were typed from the device. After creating the image attempt and entering the amount which was made available for typing an amount, which was {$1000.00} less than the amount of the check, there was no pending deposit displayed at all. After viewing no pending transaction in the list of transactions including any possible pending deposit, and there not being a pending check deposited, I called customer service. The representative who I spoke to said she would cancel the deposit. The following day instead of there being either no additional activity or the deposit being marked as cancelled, the total amount of the check was withdrawn from my account. There was no money added to the checking account and the entire amount of the check was withdrawn giving it a negative balance in excess of {$3400.00}. The representative who answered the phone number when dialed then argued about the account, and asked me to give very detailed information about what the check was for, and not about where they check was drawn. They wanted other very personal information during the call and I was abused by the man on the phone in the way that he was asking for what he was asking for. Now, when signing into my account online, there has been a hold put on the actual balance which is now the correct amount of {$34.00}. My debit card is currently being blocked and I can not use the checking account to make any payments or withdrawals. There is also a recorded voicemail when dialing the number to have the block removed which asks me to give my detailed account number and to also give my name and the reason for my call instead of the normal 24 hour customer service for the block to be removed from the account. The voicemail which answered also stated that the voicemail which I leave will be " reviewed '' and then considered for a possibility that they might remove the freeze placed on my checking account after 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sirs, This complaint is regarding Early Warning Systems out of Arizona. 
I am completely devastated by this company, EWS, or XXXX, who has ruined my life to this day because every checking account I open gets shut down due to inaccurate information on my consumer credit report. 
I went into XXXX XXXX, XX/XX/XXXX after relocating to XXXX XXXX from XXXX, California to pay an outstanding fee on my checking account which I had had since XXXX. 
It was XXXX. 
The bank had just closed my account that morning. I tried to pay the XXXX and they said I couldn't pay it there and that it was in collections. I asked what collections it was in. 
They didn't know. 
I still don't know and no one at the bank seems to know. 
Meanwhile that triggered off Early Warning Systems a company in Arizona. 
My XXXX XXXX XXXX accounts were all closed because of this XXXX fee that I am not allowed to pay to the bank because it's in collections somewhere!! ; I don't think this is fair and it's causing extreme undo XXXX XXXX. Example : I had just deposited XXXX cash at my XXXX XXXX XXXX  ATM and when doing so on XX/XX/XXXX it kept my cash and froze my accounts. I have had NO MONEY to live on for almost XXXX days now while they wait to send me a check for the monies that were in my account. 
I need help. This is so unfair to leave someone with no money at all for days and days. 
This is an emergency. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested validation ( in the form of the original contract ) from the bureau for the XXXX account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company

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 2022-10-24
Company: Mercari, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Mercari wont let me open an account, according to their system there is one with my information. I have never opened an account with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: U.S. Auto Credit Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

Company response to consumer: Closed with explanation