BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Clients applied for a loan modification XX/XX/XXXX and were advised XX/XX/XXXX that they had been denied assistance. They then received a notice of intent to foreclose XX/XX/XXXX included in that letter was a loan modification agreement dated XX/XX/XXXX. The hearing was set for XX/XX/XXXX. The letter they received had a HAMP Tier II loan modification with payments starting XX/XX/XXXX. When they received the paperwork they contacted the lender and the lender advised them to send the loan mod back in and they would honor it. However, when they did get it turned back in the lender said it was too late and denied them the assistance. We immediately applied again XX/XX/XXXX and XX/XX/XXXX trying to get the loan modification. The lender then stated that they could not get another loan modification for 24 months from the XX/XX/XXXX loan modification even though they were never made aware of the agreement until XX/XX/XXXX.They are asking that the lender honor the loan modification that was supposedly offered to them XX/XX/XXXX. They are asking for proof of receipt of the loan modification paperwork as well. They received the paperwork XX/XX/XXXX ; however, the letter was dated XXXX. When they contacted the bankruptcy dept XX/XX/XXXX they were advised to go ahead and send over the paperwork and they would honor the loan modification. Once they did this the lender said it was too late. We resubmitted the loan modification package XX/XX/XXXX and they were turned down again stating they had had exceeded the maximum number of loan mods allowed by investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Debt Recovery Solutions, LLC
State: AZ
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:
XXXX has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with Debt Recovery Solutions. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 G. Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all Debt Recovery Solutions is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days. 
XXXX is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is 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 2021-06-24
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a Service member and I fall under the Servicemembers Civil Relief Act Benefits. On XX/XX/XXXX XXXX financed a vehicle for me, a XXXX XXXX XXXX from XXXX XXXX. I was charged a high interest rate and late fees. 

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 2022-11-01
Company: PatientFi, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I tried to pay my patientfi debt off thats when they told me my loan went to XXXX XXXX XXXX, I started contacting them for about a week starting XX/XX/XXXX. My means of contact were via phone calls. I have called numerous amounts of time and have left multiple voicemails just trying to pay my debt. No one has contacted me back. I do not know my total amount due or even my account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The information reported to my consumers file is inaccurate. This tradeline needs to be updated and reported accurate as this account is current with no past due history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
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:
Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX  XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX  XXXX  is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.

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 2022-02-22
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:
XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00}, XXXX XXXX Inquired on XX/XX/2021, FACTUAL DATA Inquired on XXXX XXXX, XXXX, T2 FINANCIAL Inquired on XX/XX/2021 are reporting on my personal credit file with ( XXXXTransUnion XXXX credit reporting agency. These items was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2020-01-14
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a medical debt ( amount owed XXXX $ to XXXX XXXX XXXX XXXX ) that was tied up as part of litigation settlement. The bill was turned over to the collection agency in XX/XX/2019. The collection agency never sent a written notification or follow up with a phone call to notify that there was a bill that was outstanding in collections. It is now reported as derogatory on my credit report with no notification of the debt whatsoever. 
I called the debt collection agency and they confirmed to have sent the initial notification to the incorrect address ( previous home address where i no longer live ) and the mail was returned. They stated that the address was provided to them by the creditor, however when i inquired with XXXX XXXX, they have the current address where i live for the past year. The Debt collection agency never contacted creditor to notify mail was returned or did not call me or make any other attempts of notification. I would like to notify that the collection agency took no responsibility in notifying the debt or my right to dispute/take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am humbly asking to be heard on this issue. I have attached a letter, exhibits of proof to support my case from PNC bank, XXXX XXXX email, and Police report. 
Thank you in advance for your attention on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
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 2022-02-22
Company: EQUIFAX, INC.
State: MI
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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I applied for the suspension of my mortgage payments due to COVID financial impact, I was told that no interest would be charged during the period of time I was on forbearance. the payments and the principle would begin again where they left off and because I was never late on my payments, the missed payments would be tacked on at the end of the contract, either in a balloon payment or monthly payments until I paid all missed payments. As I was checking my account on-line during the time my payments were suspended, I noticed the balance of my mortgage principal owed was increasing. I called Wells Fargo, my mortgage lender, to ask them if interest was being charged during the time I was on forbearance and that I noticed the balance due on my loan was increasing. They said no interest was accruing and to be patient that it would be corrected when I was off forbearance and started paying my regular payments. 

I requested to start paying my regular payments XXXX months ago and that I no longer wished to be on forbearance The balance due on my mortgage grew more than {$20000.00}. It went from approximately {$210000.00} principle due to {$240.00}. I called Wells Fargo, again asked them to explain the added principle owed and was told it was interest that was charged during the time my loan was on forbearance. I told them that I was informed that no interest would be charged during that time period and representative told me that I had misunderstood. 

At this time, I am in the process of applying to other mortgage lenders for a refinance and the payoff on my mortgage is being given to these lenders by Wells Fargo as {$240000.00} principle balance. So now I owe {$2000.00} more on my loan that will have to be paid when I refinance instead of the real principal I owe of {$210000.00}. And if I don't refinance I will be paying interest on the extra principle that was added. Please explain. I still do not understand how I could end up owing more principle on my loan. I know fully that I have to make up those payments at the end of my loan but why did the principle go up? 

As of today I noticed that the principle balance owed on my account went down from {$240000.00} to {$230.00}. Still does not make sense to me. Are the payments I am now making reducing the principle while I am being charged interest on the new higher amount? And if I refinance will I have to pay {$20000.00} more on the loan? Is this interest being charged on calculated interest I was charged during the time my payments were suspended? Looks like Wells Fargo found a way to benefit from the financial difficulties of its customers caused by the COVID pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: OH
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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 multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Credit bureaus are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus co n't have no written permission According to 15 USC 1681s-2 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 the information is inaccurate. 
B ) Reporting information after notice and confirmation of errors.

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 2016-01-17
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started having difficulty paying my mortgage in XXXX to Nationstar Mortgage XXXX, TX, as a result of The XXXX Slowdown, but managed to keep up my end until XXXX XXXX, XXXX. At that time I HAD to make my XXXX, XXXX payment or I would be in ( forclosure ) trouble. When I tried to make my payment a sign came up : " For The Selected Loan - Online Payments Are Not Allowed ''. I called and was told I had not made my XXXX, XXXX payment and therefore in order to pay XXXX, XXXX I had to also pay XXXX XXXX again. I did the XXXX payments XXXX XXXX, XXXX knowing they will think XXXX, XXXX is still due even though I knew the XXXX payment had been made in XXXX, XXXX. But I did n't have enough money in the bank to make the XXXX payment, because of the double XXXX XXXX payment and knew than and there I would be in default. Of course, I sent correspondance on XXXX XXXX, XXXX telling them all this and providing my bank records showing I had paid XXXX, XXXX. I heard nothing from them until XXXX, XXXX. 

I received correspondance from Nationstar Mortgage dated XXXX XXXX, XXXX, saying they were responding to my request received XXXX XXXX regarding the application of the monthly payments. THERE IT SHOWS IN BLACK AND WHITE THAT I DID INDEED PAY THE XXXX, XXXX PAYMENT ALTHOUGH ONE MONTH LATE! AND THAT MY DOUBLE PAYMENT PAID XXXX AND XXXX, XXXX. 

But I was than shifted to HARP and the very last piece of information they asked for was a Profit and Loss Statement from the accounting department that I get quarterly funds from, and I could not geat it in a " timely manner ''! 
My foreclosure date is XXXX XXXX, XXXX and is also the sale date! 

Thanks for listening.

Company response to consumer: Closed with explanation