BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: IL
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:
THE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATIUON UNDER THE FCRA

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 2023-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. The items I'm disputing are erroneous and fraudulent. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX AV, XXXX, CA, XXXX XXXX XXXX XXXX Balance XXXX {$930.00} XXXX XXXX XXXX Balance XXXX {$900.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: 2288984 Ontario 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:
XXXXMoneyKey is an account that i do not remember as mine ... .. this accoun is a mistake in my credit report ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX 

XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, 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 2015-06-15
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Last year our mortgage company sold us to Nationstar mortgage company.  It has been a nightmare ever since.  Even though my husband makes the payments to this company, we don't understand why they are not putting it towards our account.  
Now a few months ago my husband had XXXX so that left him without work or being able to pay to the mortgage company.  We're still waiting for him to get on XXXX  He contacted Nationstar about this, and I'm not sure who he talked to but they said he was protected with the insurance to cover these type of things.  Then a month later they tell him he's not eligible.  
Since XX/XX/2014 all this company has been doing is hassling us and throwing "foreclosure" in our face.  We sent them checks faithfully like I said until 2 months ago when hardship fell with my husband.  But they have been threatening foreclosure even before this.  I went to their website and it just appalls me the complaints people have with this company and they still remain operational.  There is something very wrong with this picture and someone needs to do a thorough investigation on them.  When there is this many complaints on one website that should be a red flag even for the Better Business Bureau.
It's not like we're trying to get out of paying our mortgage.  We will pay it.  But we have to wait until the money starts flowing again.  And this is the only company we're having problems with.   But I feel threatening your customers every 5 minutes and calling XXXX times a day is not a solution.  They know our situation.  But when you call them back no one seems to know anything and you get a person from another country just telling you to send money.  The most unprofessional company I have ever dealt with in my life.  If things can't be taken care of this way, I guess I will have to look into a lawyer because I feel companies like this need to be stopped.  They're not here to help anyone.  I feel that they want people to lose their homes because they know they'll make more money that way.  Disgusting!  And I know we're not the only ones that feel this way about this company.  My husband and I are just totally fed up and this is one other problem he doesn't need on his plate at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 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 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 2022-10-19
Company: World Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After carefully reviewing my credit report, I noticed that World Finance company is increasing the amount of the debt monthly. According to the FTC and FDCPA, companies must accurately report the alleged debt. They have violated my rights as a consumer by demanding monetary amounts that are not contractually legal. The amount reported on my credit report is greater than the amount owed. World Finance Company also failed to validate the debt with me as the consumer with a written notice of the debt. That is also violating my consumer rights. Im also submitting a picture of my official drivers license to prove that I have a name change as a result of marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

The letters are stated with items and issues.

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 2023-02-24
Company: EQUIFAX, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2015, I was notified from my XXXX mortgage company, that my loan had been sold prior to my XXXX payment due date (XX/XX/2015). However, I had already mailed in my payment to the original lender on XX/XX/XXXX. The original lender sent my payment to the new lender and it delivered via XXXX on Thursday XX/XX/2015 As of XX/XX/2015, the check was not presented to my financial institution for payment and I still have not received notice from the new lender stating they now own my mortgage and/or where to send future payments too. After looking up this new lender I found bad reviews of this company reporting late payments on customer accounts when the payments were provided before or on due date. 
I have not received any feedback from this lender after calling XXXX to get information about a new account number and where to send future payments. When I called I was told the loan was not in their system yet and it will take a day or 2. However I should receive a letter within 15 days of the loan transfer. It has been more than 15 days and I received no notification from the new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CRESCO CAPITAL INC.
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a semi truck through XXXX XXXX XXXX XXXX, also afflicted with Cresco Capital , Inc.

My hiring process with this vehicle took longer than expected. I was already 4 weeks waiting before actually leasing on with my company 's authority ( DOT ). I will leave their name out of it for any confusion. 

My first trip I needed repair, and my first payment was due in XXXX weeks. I knew I would not be paid enough on time but I covered my first payment which was 45 days after pickup. 

I called in, they stated using the extra payment form is not specified towards the monthly portion, however, calling in she could partition the funds to do so. 

Coming XX/XX/XXXX they still tried to charge me the first payment amount. They were able to reverse it after I followed up asking them if everything was alright and why this happened. 

Simultaneously, I'd spoken to customer service to switch my payment account to my new business checking. However, upon opening I had to buy checks and have not been home to pickup them up. Due to the nature of my work I am not able to. 

After mentioning wanting to switch accounts a woman named XXXX, without posting her last name, has emailed me XXXX times to date and I'd already received XXXX emails before this one. After the XX/XX/XXXX payment she followed up mentioning the missed payment. 

I'd already told her XXXX to XXXX times that I have not been home yet and will be in touch when I am able to do so but she continues to harass me on a weekly basis. I am on my way home at this time, and should be able to update. 

Here is her email mentioning the missed payment.

" Good morning, I am following up with you regarding the ACH information we spoke about last week. I am needing this information as it looks like we have just had a payment return from the account we have on file. Please get this back to me as soon as possible. If you have any questions, please feel free to reach back out to me. '' Other fine points would be this XXXX XXXX company promising a XXXX year warranty on engine and aftertreatment from XXXX. I have a XXXX XXXX XXXX  with an XXXX engine. When my fuel pump went out it wasn't covered under warranty and the dealer said no warranty even appeared in the system under that VIN number. 

I was at the XXXX XXXX, OR dealership. 
My VIN is XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A man by XXXX XXXX emailed me form this e-mail ( XXXX ) Dear Customer, This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to resolve the matter. 

Just in case we do not hear back from you within 48 hours, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 

For any queries feel free to revert back. 

Manager Legal Department Collection Department Speedy Cash This is the initial email. I then replied that I have no such debt for I have not gotten a loan from the above company " Speedy Cash. '' And they continued to respond with a claim of a payday loan I never got or recieved. 

Dear Customer, We are representing Speedy Cash A Parental payday Loan company which owns and operates more than 350 online cash websites. 

Loan Amount : {$400.00} Total Outstanding Balance ( Due Amount ) : {$1500.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) One Time Settlement Offer : 1 : {$500.00} ( if paid Today ). 

2 : {$800.00} ( If Paid Within This Week ) 3 : {$200.00} ( Biweekly Starting by today ) Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections. 

2 : Your Employer Will Be Informed.

3 : Credit Bureaus Will Be Notified So That It Could Be Reported To Your Credit.

4 : References Will Be Informed.

5 : A Day in Court. 

6 : Garnishment of Your Paycheck.

Mode of Payment ( If Settling Out Of Court Using One Time Settlement Offer ) : 1. XXXX XXXX XXXX XXXX Debit Card. 




Let us know whether you opt for one time settlement or payment arrangement for the whole amount so that the account can be updated. 

Since this loan account is very past due so we would appreciate it if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. 

For any queries or concerns, you can contact us. 

Regards. 

Manager. 

Speedy Cash. 

I then repeated that I have no loan of they type.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My Venmo account has been hacked. I called the company where they confirmed that was the case. I provided all the credentials needed and asked that the transaction, which is a rent payment from XXXX XXXX needs to be reversed back to his account. I was told the communication to complete this needs to be done via email. I have been back and forth with them since the beginning of XXXX and they have not returned the funds. Today I was on the phone twice and they dropped the call on me. Basically the funds are just frozen in the account and Im not getting any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX to Nationstar on XX/XX/2015.  XXXX informed me of this via a letter sent on XX/XX/XXXX.  As my next mortgage payment due date approached (XX/XX/XXXX) I received no correspondence from the new mortgage company....not a welcoming letter, statement, or a bill with which to pay the mortgage.  I desperation, I tried to call them, but all you can contact are automated menus, not a person to help with a personal problem.  I went to their web site, and again in desperation followed the instructions for making an online payment.  It worked!  But what it didn't make clear is that I had set up an automated account that would automatically pay my next mortgage payment.  So when the next payment was due (XX/XX/XXXX) I made another payment, not realizing that in actuality I was making XXXX payments.  It cleaned out my checking account and checks for XXXX other bills that I wrote bounced giving me fees of $XXXX.  I have had an extremely difficult time contacting them to resolve this issue.  I was only able to speak to a live representative by calling the number they advertise for refinancing mortgages, not their customer service number.  Anyway, I believe the unprofessional way in which they handled the transfer of my mortgage has led to this financial mess for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Information belongs to someone else

Complaint:
Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: SUNRISE CREDIT SERVICES, INC
State: AL
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 received notice of an account with XXXX mobile in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the XXXX  of XXXX This was first statement and it was months past due. I have 1 XXXX account with XXXX and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.

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 2023-06-23
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: Old information reappears or never goes away

Complaint:
XXXX XXXX ( XXXX XXXX ) Account # XXXX Account Rating IUR Type : INSTALLMENT Loan Type : AUTOMOBILE Responsibility : I Remarks : Credit Limit : High Credit : {$7000.00} Terms : Balance : Past Due : Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : LOCKED DUE TO BANKRUPTCY IT HAS BEEN PAID OFF FROM MORE THAN 7 YEARS SINCE XXXX. THIS INVALID INFORMATION IS REFLECTED ON XXXX, XXXX, AND EXPERIAN. THIS IS REPORTING NEGATIVELY AND IMPEADING ME FROM MOVING FORWARD WITH MY FINANCIALLY WITH NEEDS MY FAMILY HAS. THIS ISSUE HAS TO BE RESOLVE AS PER ADVICE OF ATTORNEY. THE INFORMATION OF COURT DOCUMENT HAS BEEN PROVIDED TO PRIORITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX AND I HAVE CALLED AND SAT WITH SEVERAL REPRESENTATIVES IN FACILITY. GIVEN EDVIENCE AND NO RESOLVE FOR THE PAST TWO YEARS AND RECENT MONTHS.

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