BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: PA
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:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I have an account with Wells Fargo and I havent received any info regarding the law suit. I need to know if Im entitled to any money

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 2023-07-21
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the XXXX ( XXXX ), a homeowner 's association with approximately XXXX homes in the XXXX, Texas area. The average price of our homes is generally between $ XXXX to $ XXXX. A property located within our subdivision is XXXX XXXX, XXXX, TX XXXX. This property was abandoned by its owners, who went through a divorce, in about XXXX. Of course the HOA fees are past due but that this is not the basis for this complaint. The property at one time was in great shape but no longer. The brick mail box has fallen down, portions of the siding have rotted away which appears now to allow access to rodents coming into the attic, the grounds are minimally maintained by a management company, the backyard does have a pool which is secured but the fence is falling down and the backyard is a health hazard as it is overgrown with vegetation. XXXX, XXXX, Oh XXXX is a property management company that works for Nationwide Mortgage ( the mortgage holder ) in managing this property. However they do it only when we call them and it takes months to get things done. XXXX XXXX is the contact at XXXX ( XXXX ). I have tried to contact Nationwide Mortgage to find out why this home has not been foreclosed upon in eight years but of course they will not speak to me as I am not the owner and for privacy reasons. We continue to have complaints from neighbors about this subject home because it is an eyesore to the area and homes near by are difficult to sell because of this property. We request that you do whatever can be done to get Nationwide Mortgage to move forward with the foreclosure. They have already lost so much money in just letting this home sit and decline for the past eight years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Closed on the property at XXXX XXXX XXXX XXXX, XXXX NC XXXX on XX/XX/XXXX. I had to file a complaint with the CFPB because Shellpoint Mortgage Servicing claimed I had unpaid mortgage payments. After filing a complaint against Shellpoint Mortgage Servicing they sent me an email on XX/XX/XXXX stating the loan is paid in full. On XX/XX/XXXX Shellpoint Mortgage Servicing sent a reply letter in regards to the complaint, stating loan is paid in full as of XX/XX/XXXX. Shellpoint Mortgage Servicing sent a Letter of Satisfaction and Deed of Trust from the local County Register. On XX/XX/XXXX I received an Escrow Refund in the amount of {$1500.00}. I deposited the check into my personal account on XX/XX/XXXX. XX/XX/XXXX my personal bank mailed me a letter stating the item I deposited on XX/XX/XXXX was returned marked " Not Authorized '' and I was charged a {$5.00} return check fee. Also they included a IRD substitute check. On XX/XX/XXXX I contacted Shellpoint Mortgage Servicing and a representative stated that the Escrow Refund was sent out but on XXXX the XXXX they found that the payoff was short and voided the Escrow Refund check.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: PA
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:
Dispute Regarding Inaccuracies in Credit Reports Dear Sir/Madam, I am writing to dispute and bring to your attention significant inconsistencies and inaccuracies in my credit reports from the three major credit bureaus : XXXX, Equifax, and XXXX. The discrepancies pertain to the XXXX XXXX  XXXX account, and I request a thorough investigation to rectify these issues. 

Upon reviewing the credit reports, I have identified several discrepancies that require immediate attention. Firstly, in XX/XX/XXXX, when the XXXX XXXX  XXXX account was opened, Equifax reports a payment made on that specific month, while XXXX and XXXX do not reflect any payment activity. This discrepancy in payment reporting during the account 's inception raises concerns about the accuracy and consistency of the information provided. 

Furthermore, all three credit bureaus report three late payments on the XXXX XXXX  XXXX account in the months of XXXX, XXXX, and XXXX. However, there is a discrepancy in reporting regarding the subsequent months. XXXX and XXXX indicate a closed status on the account in XX/XX/XXXX, denoted by " XXXX, '' while Equifax shows payments made on the account until XX/XX/XXXX, suggesting an open status. These conflicting statuses require investigation and clarification to ensure accurate reporting. 

Additionally, I noticed variations in the balance update dates. XXXX reports a balance update on XX/XX/XXXX, while Equifax and XXXX report balance updates on XX/XX/XXXX, and XX/XX/XXXX, respectively. This inconsistency in balance reporting further adds to the confusion surrounding the account 's status and payment history. 

Considering the discrepancies outlined above, I kindly request a comprehensive investigation into the XXXXXXXX XXXX XXXXXXXX account across all three credit bureaus. Please review and reconcile the reported late payments, the missing payment in XX/XX/XXXX on XXXX and XXXX, and the conflicting payment history between the bureaus. Additionally, ensure consistent reporting of the account status, including the closure date, to provide accurate and reliable information to potential creditors. 

Once the investigation is complete, I request a detailed explanation of the findings and the corrective measures taken to address the inaccuracies. As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and I trust that you will handle this matter promptly and in accordance with the FCRA 's guidelines. 

Please acknowledge receipt of this dispute letter and provide written confirmation. I appreciate your immediate attention to this matter and your efforts to rectify these inconsistencies. I look forward to a prompt resolution and the issuance of updated and accurate credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 XXXX I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a 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 2023-03-22
Company: Experian Information Solutions Inc.
State: TX
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:
The following Inquiries on my report are not authorized by me, In Accordance with the FCRA section 611 this companies violated my consumer right, I have attached a copy of FCT report. Please kindly remove inquiries. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  Account # 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 explanation
Consumer complaint received 2016-05-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/XXXX I got excepted into The Hardest Hit Program. UMAP ( Unemployment Mortgage Assistance Program ) /.MLRP ( Mortgage Loan Reinstatement Payment ). Therefore the MLRP paid out XXXX towards the past due amount of the mortgage.The loan funds can used to pay monthly mortgage, escrow expenses, property taxes, homeowner insurance.All funds will be disbursed by Florida Housing directly to the loan servicer on behalf of the homeowner. In addition current pending Litigation, including foreclose proceedings with the Mortgage lender and or other parties must return the loan to its original anoint. In my case XXXX Therefore the original loan has to be reinstated! Which at this time NATION STAR has not done so. 
Furthermore, UMAP pays out to the Lender on my behalf in the amount of {$1100.00} per month towards my monthly mortgage payments during the term of my UMAP assistance of one year. Nation Star has taken the Monthly payment and has applied for their legal fees in the amount of {$920.00} per month plus a charge of {$45.00} per month for Property Inspection. Which become a total of $ {$970.00} out of the {$1100.00} per month that is suppose to go toward a mortgage payment. Therefore according to Nation Star the payment that is left towards the Monthly is {$170.00}? Nation Star has violated the terms and conditions of the Florida Hardest Program. And state that I still owe them a balance due of {$34000.00} as per their XXXX/XXXX/2016 statement. 
Finally the topping on the cake. Nation Star was Foreclosing on me while at the same time try to get me a Loan Modification on the home. According to Florida State Law called " DUAL TRACKING ''. No Financial Institution can provide you a LOAM MODIFICATION WHILE AT THE SAME TIME, AS DOING A FORECLOSER ON YOUR HOUSE. 
And till this date, with countless calls to NATIONSTAR no ones has borrowed to assist me or do anything that they where suppose to do then they accept the payment from FLORIDA HARDEST HIT & gt ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Exeter Finance Corp.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Exeter finance deleted from XXXX but did not delete from XXXX or XXXX Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2015 our mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage of XXXX, TX. This past year has had no issue with the servicing of the loan. As of XX/XX/XXXX Nationstar advised they were raising our Escrow by {$310.00} due their analysis of what was required for Insurance and taxes. Our Insurance did not change and the taxes went up less than {$200.00} a year. The increase of this amount is not appropriate nor justified from State and County records of such tax increases. This all occurred after 6 months of first class mail and XXXX delivery in an attempt to get us to refinance. We do not understand with hours spent on the phone with Nationstar, they can not justify the numbers for this increase. They continually use the terms, ( we recommend ) and ( we suggest ). When they quoted Federal Law requiring this increase we asked for a copy and they will not provide this regulatort information they quote as the reason for these increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: SC
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:
This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately.

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there.

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.

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