BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX credit card run by Alliance / Comenity Bank does not fulfill the promotion that they are advertising. This offer is currently displayed on their home page ( XXXX ), Get 5 % back on an XXXX XXXX  gift card when using your XXXXXXXX XXXX  credit card with 6 or 12 months financing on purchases over {$990.00}. 

We made a purchase under these terms on XX/XX/2022, and XX/XX/2022, and have not received the promised gift card. 

When I called XXXX XXXX on XX/XX/2022, the rep said the bank was responsible for fulfilling this and provided me with Alliance Bank contact info ( XXXX ). When I called Alliance Bank, the first rep said they were not aware of this offer. The second rep at Alliance Bank said this gift card should have been sent out within six weeks of our purchase, and then she dropped the call. The third rep at Alliance Bank informed me that XXXX XXXX is responsible for fulfilling this offer. 

It is a fraudulent posting as neither XXXX XXXX nor Alliance Bank are not fulfilling what they offer. This is false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2023 I wrote letters to Equifax, XXXX, and XXXX asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I received an outstanding collection for {$1500.00} onto all XXXX of my my credit reports however I was never notified by mail email or phone in regards to this collection being sold charged-off written off or transferred. 

I Mailed a dispute letter via certified mail to all three credit bureaus Equifax XXXX XXXX and XXXX. I requested that they investigate the matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Amount {$1500.00} Status Date XX/XX/XXXX Balance Date XX/XX/XXXX Designator code individual account Account number ending XXXX XXXX By law I am required to know who, not title unknown is utilizing financial information on my behalf. 

This collection is in violation of FDCPA. 

( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
( XXXX ) The false representation or implication that documents are legal process. 
( XXXX ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. 
XXXX XXXX XXXX The dispute letter requested that Equifax XXXX XXXX and XXXX Please verify that all information pertaining to my credit report is 100 % correct by providing the following items. 

*Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) * Other Financial Information XXXX you are unable to verify the account with the original documents, the information must be deleted from my credit report within 30 days. Please respond in writing within 30 days of receiving this letter. 
Thank you for your attention to this matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : All companies involved have failed to properly notifying me of these debts by surpassing the statue of limitations given under the rule of law. 

Below are signature upon receipts that Equifax, XXXX XXXX, and XXXX have received each dispute letter applicable for the debt in question. It has been now 30 days and No credit agency has responded via certified mail, email or phone. 

This is a violation of the XXXX. 

I have attached all documents that support my complaint. 

I humbly request that the CFPB assist in deleting this unlawful collection from all XXXX major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the general executor/trustee of the XXXX XXXX XXXX XXXX XXXX 
I am taking the time to correct the record. 
pursuant to title XXXX XXXX XXXX XXXX A & XXXX. 

im requesting you send me XXXX this is last attempt before your silence and over 90 days no response is Acquiescence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2023 I wrote letters to XXXX, Experian, and XXXX asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We at XXXX XXXX are assisting XXXX and XXXX XXXX, in mortgage modification due to financial situation that occurred in their lives. XXXX had a very-well established international business in XXXX. Business was dealing with commodities in XXXX Region. They started their business inXX/XX/XXXX, and up until the drastic changes in the political and economical situation in XXXX in XXXX, gave a very good profit, and they were able to establish very comfortable and luxury living. They applied for Mortgage, were approved and bought a house at XXXX XXXX XXXX, XXXX XXXX PA XXXX. Then their mortgage was sold to Nationstar, loan # XXXX. In XX/XX/XXXX, when the XXXX Government was changed after the so-called Revolution of Dignity, the trades were rapidly diminishing, and they lost everything what they were able to establish. This hardship is permanent for them, because due to the political situation and their age and health issues ( XXXX and XXXX years old ), they will not be able to re-establish their business and their income. Loan modification will be of great help for them to survive. They want to continue to live in their house and make reasonable mortgage payments. They applied for loan modification several times. Every time the offer was more and more ridiculous : 1.  XX/XX/XXXX - offer {$3200.00} ( Original Mortgage payment was {$3100.00}. ) 2. XX/XX/XXXX - offer {$2900.00} 3. XX/XX/XXXX - offer {$2900.00} 4.XX/XX/XXXX - offer {$2800.00} XXXX and XXXX XXXX rejected all offers, because all of them were not affordable, and they all sounded more like a joke, or sabotage of professional duties by Nationstar. Nationstar assigned loan specialist, XXXX XXXX XXXX, who never picked up the phone, return our numerous phone callsor respond to our numerous inquiry letters. Her team members know nothing about this file, and act absolutely unprofessional and rude with the recommendation to sell the house and move out ( recording dated XX/XX/XXXX our conversation with XXXX ). Nationstar has a slogan, which is announced every time when you call them or receive correspondence from them : " At Nationstar Mortgage, we 're committed to helping homeowners find solutions that could help them stay in their home and continue enjoying all the benefits of homeownership. Even in times of Difficulties. '' These are the times of difficulties for XXXX and XXXX XXXX, who suffered tremendous financial loss due to political and financial situation at the location of their business. Nationstar completely twists the real purpose of the loan modification, which is clearly stated in their slogan. Nationstar Mortgage modification team acts prove that Nationstar Mortgage has no desire to assist the homeowners to keep their houses in times of hardship. That completely contradicts the idea and purpose of mortgage modification and their own policy. If you have any questions, you can contact XXXX XXXX at XXXX, or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: TX
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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of trying to complete a short sale. The bank is Nationstar Mortgage ( XXXX XXXX XXXX XXXX or XXXX ). I have called them repeatedly and they refuse to give me any information about this loan citing litigation that I know nothing about. They hang up on me each time I request information. They did ask me to call XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), who is representing them for some reason. I called them and they told me they are awaiting some documentation from Nationstar and could give me no further information. They referred me back to Nationstar. At this point I 'm extremely frustrated because I have a buyer for the house. I received a notification from XXXX et al that the foreclosure has been canceled yet Nationstar is not allowing me to move forward with the short sale and has not given me a reason for doing so. I am lost and do not know what to do at this point. They are stone walling me and causing me some duress. I speak to these people and there is a certain amount of glee in their voice. They have the nerve to tell me I 've forfeited my right to any information about this property. That 's unconscionable. They repeatedly have me send the same information over and over again stating that I am missing some document when i know i have sent it. See attached letter. What they are doing is just plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: MERCHANTS ADJUSTMENT SERVICE, 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:
From the company 's CFPB response I have concluded that they are still presenting false information about my complaint and as a side note this company is openly violating The HIPPA Law. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. The company can't provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from LCA SERVICES on XX/XX/XXXX in my mailbox. I have a scan from USPS Coming to my mailbox every day that shows pieces of my mail. I contacted the phone number at XXXX XXXX XX/XX/XXXX declared this was not my debt and that I needed to see an itemized breakdown of this supposed debt. I was told I would receive one in five business days. On XX/XX/XXXX when I did not receive such statement I called again and was told the company submitted the day before, and it would be mailed out the next day as of XX/XX/XXXX. I have not received anything from LCA services regarding the breakdown of suppose a debt from XXXX XXXX XXXX, who also started an eviction against me for the a different amount, dismissed that case and then started another, which has now into a civil suit since they have over $ XXXX in damages against me as a tenant. LCA Services uses multiple business names which is also misleading and deceptive in nature. At this point, it feels like discrimination and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: PLAZA HOME MORTGAGE, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  originated our mortgage in XXXX. We made our first payment due XX/XX/XXXX on XX/XX/XXXX after having received our first payment coupon. We made the payment as directed to our loan originator XXXX. We made our second payment on XXXX, for payment due on XXXX, to XXXX XXXX as well. 
Our loan was sold on/around XX/XX/XXXX to Plaza Home Mortgage , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL. 
We made our third payment on XXXX, due for XXXX ; however, our payment notice indicated a payment was missed. prior to making the XXXX payment, we called Plaza regarding the payment notice. The Plaza representative indicated this was likely because of processing/timing between the seller ( XXXX ) and Plaza ( the XXXX ), and would be rectified through their settlement process. 
We then received our next payment notice in XXXX, again indicating we were behind XXXX payment. FIRST ISSUE : The individual was abusive and used inappropriate language. He was also very accusatory in nature and complained about how he was demoted when I asked to speak to a supervisor, stating " I was a supervisor and they will tell you what I told you. '' He finally agreed to transfer me to a supervisor but disconnected me instead. 
I called immediately back and waited for another 15 minutes to reach another representative, who again told us they were reflecting a missed payment. 
SECOND ISSUE. In researching she told me that they had only received XXXX payment from XXXX XXXX XXXX when the loan was purchased and that we should submit proof of payment to XXXX. We had paid both payments via our Internet banking. We received, from our bank, proof of ACH payments to Plaza on XX/XX/XXXX and XXXX as described above. We sent the ACH form to the email as directed and also to our lender at XXXX, who subsequently confirmed that the HomeTown HAD received both payments and HAD submitted both payments to Plaza. 
THIRD ISSUE : We have NEVER received any response from PLAZA from our email to them dated XX/XX/XXXX at XXXX eastern , with proof of payment. 
In discussion with our Lender, XXXX, they confirmed that they had discussed with Plaza and confirmed that Plaza was in agreement that they had received both payments for XX/XX/XXXX and XXXX. 
FOURTH ISSUE : We continue to receive late notices AND late fees, as well as accrued interest that is not justified as a result of Plaza continuing to not reflect the proper payments. We have tried repeatedly to have this resolved, beyond reasonable means - have worked with both the lender and the servicer for over 2 months - to absolutely no resolution while they continue to charge abusive fees and interest. We have had absolutely no response, formal or informal, from Plaza, only from XXXX, and the issue remains unresolved. We have now made payments on XXXX for XXXX, XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: IL
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:
I continue to have to dispute the following accounts over and over again. The following accounts were included and discharged in a XXXX  XXXX Bankruptcy in XX/XX/2017 : XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with a balance of {$24000.00} on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information. This most recent addition of the incorrect XXXX account information costs me a XXXX loss from my credit score. This has happened before. 

XXXX XXXX XXXX  credit card acct ending in XXXX is incorrectly being reported as OPEN with no status as an Other Account on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information ( discharged in XXXX. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX, I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from XXXX XXXX XXXX Attorney XXXX XXXX, XXXX, on behalf of NATIONSTAR MORTGAGE and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sentXX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to file a complaint against Chase Bank. I held a mortgage with Chase and unfortunately due to unforeseen circumstances I had a dramatic loss of income and was unable to make my payments. I approached Chase about a loan modification and began the process. Chase granted me a total of XXXX loan modifications and after a couple years of continuous stress accepted the last XXXX. We met every criteria they had for us regarding each and every modification but at the completion of each threatened foreclosure and the process began again. At the time of the final modification we were over XXXX in arrears. As part of the loan modification agreement Chase stated they would remove ALL late payments from my history and to the credit bureaus. This has not happened and am looking for them to hold good on their promise of removing the lates off my payment history and with the credit bureaus! This should have been done and needs to be done as soon as possible so I can obtain reasonable financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: UT
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 never signed any paperwork, anything on a devise or verbally agree with anything. I do not have the product that was supposedly sold to me. All my information was filled out by an agent with some company and I did not acknowledge the loan she was creating in my name. I have attempted to reach out and cancel it through the loan company and they have done nothing even after saying they will multiple times. I have also disputed it with all 3 credit bureaus and only XXXX has taken it off. The other two keep saying it was verified and updated. I am a victim of fraud.

Company response to consumer: Closed with explanation