BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Daughter and Son in Law 's mortgage loan with XXXX XXXX XXXX was being reviewed for a loan modification due to a hardship change when she received a letter from XXXX XXXX XXXX that said her mortgage was sold to Nationstar with no mention of her modification decision. She sent a new modification package to Nationstar explaining they would review her modification request. She faxed her new modifcation package to Nationstar on XXXX XXXX, 2016. I am an authorized third party who Nationstar has acknowledged and they still have not received her package and it 's been over 5 buisness days. Each representative has told me the internal review process is they would contact XXXX for her documents but her documents are stale dated they are way more than 90 days old to review that does n't make sense when the borrower/homeowner sent an updated package requesting a modification review. My first concern is how can XXXX sell her loan and not send a decision letter to the homeowner regarding the modification that was under review. My second concern is Nationstar not addressing the borrower 's request for a mortgage loan modification and willing to review stale dated documents..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: ALLY FINANCIAL 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-03-14
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Equifax to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

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 2023-02-04
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:
I never authorized or even visited the dealership to conduct any business. 
After numerous letters in XX/XX/2022, from various lenders I tried to correct this. 
I spoke to XXXX XXXX and XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. 
I was told this would be resolved but it was not and has lowered my XXXX credit score greatly. There are12 inquires from this error. Please delete all inquires and restore my good credit standing. Thank you

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 2016-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all reporting unknown debts on my credit report but have all ignored my requests to provide me with any documentation they have on file which validates the authenticity of these accounts. I sent each data furnisher this request by certified letter on XXXX XXXX, 2016 and to date have not received any such documentation from them. I believe this to be in violation of Section 623 ( a ) of the FCRA. I have notified Experian of this failure by above mentioned data furnishers to comply with section 623 ( a ) of the FCRA, and yet they continue to persist in reporting this item on my credit file. The FCRA states under Section 611 ( 5 ) ( A ), that if they ( the CRAs ) are unable to verify these accounts then they are required to " promptly delete all information which can not be verified ... '' They have ( as of yet ) failed to do so. Please step in to resolve this matter.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion, XXXX, and XXXX have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ).

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.

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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Not only that the last date active doesnt match between Transunion and XXXX  but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of Transunion and XXXX  Im tired of this abused of this unfair act and ruthless actions but this credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a text message approximately on XX/XX/XXXX from Bank of America asking for authorization for a credit card. Then a credit card arrived with a {$20000.00} credit line that I never applied for.

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 monetary relief
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are not mine they were opened from my identity being stolen and are fraudulent i have new copies of police report with the accounts listed and an identity theft affidavit notarized ftc listing all of the fraudulent accounts. the report # XXXX XXXX XXXX is the XXXX badge # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Fay Servicing, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : XXXX XXXX XXXX redresses the illegal practices of Fay Servicing , LLC servicer for XXXX Master Participation Trust concerning the collection of debts, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ) and Federal Trade Commission ( FTC ) under Sections 5 ( a ) and 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) and 53 ( b ). 
XX/XX/XXXX you claim we executed a Note and Deed of Trust with XXXX : Per the documents provided ( refer to the attachment to this complaint ) are not signed therefore the documents your clients have produced is Fraudulent/ Forged since I rescinded on XX/XX/XXXX & XXXX, XXXX making this loan XXXX XXXX XXXX, as null and void. 


Please supply the information below so that I can be fully informed : can you provide a copy of the signed XXXX XXXX Disclosure Statement ; Good Faith Estimate of Settlement Charges, HUD-1 Settlement Statement and XXXX XXXX XXXX created my original requirement to pay? 

I am open to communicating with you for this purpose. In order to make sure that I am not put any disadvantage, in the meantime please treat this debt as being in dispute. 

In addition to providing the information requested above, please let me know whether you are prepared to cancel any Foreclosure Sale NLT, Friday, XX/XX/XXXX. 

If so, please tell me in writing that the Foreclosure Sale scheduled for XX/XX/XXXX has been cancelled. 

Thank you for you cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: General Motors Financial Company, 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:
To whom it XXXX concern, This dispute has to do with a past dispute with GM Financial. After receiving the information from GM Financial regarding an alledged debt of {$6100.00}, I reached out to GM Financial directly to discuss a settlement and then they notified me that my account was taken over by XXXX XXXX which I received any notice of this. Even the letter that was received through the XXXX  with my last dispute with GM Financial did not state anything about selling the debt to a debt collector. 

Also, as you can see attached is a copy of my credit report from my mortgage lender, and it shows that GM Financial is the one reporting on my credit, not XXXX XXXX. How am I able to settle a debt with a collection agency that is not even listed on my credit report? In this situation, I would have paid XXXX XXXX and GM Financial would still report to the credit bureaus, which is wrong. Also, the credit report is stating the debt is {$6100.00}, not {$6100.00}. 

Lastly, as I stated in my last dispute, that XXXX and XXXX recognized this as a invalid debt and removed/deleted GM Financial XXXX my credit profiles so XXXX should do the same. 

I believe that XXXX XXXX, GM Financial, and XXXX are violating a few different laws here. I just want the resolution of this GM Financial account to be rightfully deleted/removed from my XXXX credit profile so I can move forward and close on my house which the date is supposed to be XX/XX/26, but I can't move forward without removing/deleting this account from my XXXX credit profile. Please help me resolve this situation as soon as possible. 

Thank you! 

Best, XXXX XXXX Account Name : GM Financial Account Number : XXXX Amount : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The provisions of 15 usc 6801 require financial institutions to notify consumers of their sharing practices of consumers no public information. And provide a right to opt out of certain sharing. With out giving me a opportunity to opt out capital one furnished my non public and my ex- spouse who was an authorized user On acc ending in XXXX non public information. To non affiliated third parties XXXX XXXX, XXXX and XXXX. After multiple phone calls with capitol one. They told my ex spouse that the information that they illegally furnished to these third parties such as balance and payment history to his credit profile it. Will remain on his consumer profile. Even though he is not the primary and do not have a agreement with capital one for the account ending in XXXX. Multiple federal laws has been broken. And my rights and my ex spouse rights to as well. Its cleary states in the card hold agreement under authorized you. The authorized user is my not responsible for payment or keep the acc in good standing. The card holder wich is me is responsible for all credit transactions payment and activities. Capitol one made it clear to my ex - spouse that they are not responsible for removing information on account that dont belong to him. I will be contacting Capitol cooperate office ceo of capital one and my states attorney office as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: AL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$1100.00}.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, as I do once a year, I went to www.annualcreditreport.com and requested my credit report from all 3 credit reporting companies. I was able to view the XXXX credit report just fine, but when I went to XXXX it said I needed to call them first. I did call them but was diverted to a phone loop that ultimately sent me back to annualcreditreport.com on the phone. I went through the automated procedure and was told I would receive my XXXX credit report by mail within 15 days. When I chose my Experian credit report, it said my report was not available at this time and I should mail them a request for it. I found annualcreditreport.com 's toll free phone number online and went through the automated procedure again with the response that I would receive my Experian credit report by mail within 15 days. 

I have never had problems before getting all 3 of my credit reports on the same day, and I don't appreciate having to settle for getting 2 of the reports by mail rather than being able to view them at home on my secure VPN. I would appreciate if you could tell me why this situation happened and how I can make sure it doesn't happen again. 
Thank you.

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 2018-08-24
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company claiming I owe this medical debt is reporting to the 3 major credit agencies damaging my credit and I have never even heard of them and says the date opened wasXX/XX/18. this is impossible because I have full coverage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Took our car in for service to XXXX XXXX on XX/XX/XXXX and our bill was {$980.00} which was charged to our Chase credit card. On XX/XX/XXXX, two more charges appeared on our credit card which we never signed for, NOR AUTHORIZED, charges were {$900.00} and {$980.00}. On XX/XX/XXXX, XXXX add'l charges appeared on our card which we never signed for nor authorized in amounts of {$980.00}, {$2700.00}, and {$890.00}. On XXXX an additional charge of {$1800.00} was charged fraudently to our card which we never signed for, nor authorized. We had one legitimate charge on XX/XX/XXXX for {$980.00} for work that was never even completed on our vehicle. Every other charge is fraudulent and when we disputed it with Chase, they initially reversed the charges, but several months later came back and said that they proved all charges were legitimate, which we never signed any statements for, nor could they ever provide any proof that we signed for anything. We had one legitimate charge on XX/XX/XXXX for {$980.00} only! We disputed this several times and Chase refused to reverse these fraudulent charges. To this day, we have not gotten any resolution and were being charged interest and late fees if we did not pay the amount in full.

Company response to consumer: Closed with monetary relief