BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I received an escrow analysis from my mortgage company, nationstar, which showed that my escrow had a shortage of nearly {$2000.00}, which means an additional {$250.00} will be added to my payments this year. It appears they have now attached hazard insurance to my mortgage, without my knowledge, something I 've never carried in the past. I have a separate homeowner 's policy with XXXX. They tell me I have to have this, without evidence or reason. I 've asked them to remove it, but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: OH
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:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 
Account name : XXXX # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : Capital One # 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 states that a consumer reporting agency can not furnish an 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: MD
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 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGHEST BALANCE, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2022-10-15
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: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance - ; LXXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXXXXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a collections account that has been inaccurately reported on my credit report. I attempted to contact the collection agency 3 times via certified mail requesting validation of the debt as required per 15 U.S. Code 1692g. The collection agency received my request and refused to provide any response. I then attached all requests and proof of receipt to the credit bureau and asked for them to remove it since it could not be verified. They conducted an investigation, did not provide me with any evidence, and verified it. I have attempted to contact the credit bureau and have not gotten any answers nor has this been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar has mishandled our escrow account for the last year. a year ago We opened a new insurance policy to save {$1000.00} a year replacing the XXXX separate policy ( home owners & windstorm ) after we cancelled the old policy 's the mortgage holder continued to pay the canceled policy & double pay the new policy & noticed us we had a short fall in our escrow account & wanted to raise our monthly payment an additional {$400.00} We have called constantly to resolve I have requested a 2 year accounting review of our escrow but no response. Today I received a check from my new insurance company they were double paid again.I dont know how much of our money has been given away. We have been told repeatedly this will be resolved only to see the problem get worse we are put on hold for hours and passed around constantly They will not take our number or ever call us back or write us with proof of a resolution. Last month I made a payment in the amount I think we should owe. We have not received a notice of this months payment due on the first. We are constantly ignored & lied to. CAN I SUE THEM?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez - Shellpoint Mortgage Servicing continues to be unable to provide accurate records and accounting of payments made. Have been trying to close out the mortgage for 3 months but continue to be provided with incorrect payoff statements. Accounting errors go back to XXXX of 2020. I have provided accounting that is clear of fees but NewRez can not find any errors in my accounting and at the same time does not understand their own accouting. NewRez accounting is full of false fees and credits that make their statement impossible to understand. They continue to put money in an escrow account when the property has been sold. Application of the escrow to the principal and the removal of recent late fees and property inspection costs on a property that I no longer own will bring the mortgage balance to zero. They should also provide proof of cashed checks that they claim to have provided as escrow refunds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX YEARS REFUSED TO PUT MY XXXX DEPOSIT TO MY XXXX  ACCOUNT, MY ACCOUNT WAS DEACTIVATED AND SUSPENED WITH SECURITY BREACHES AND YET STILL ALL MY MONEY WAS WITHDRAWN FROM MY ACCOUNT BY EVERYBODY, I AM THE VITUM OF THE CRYPTOCURRENCY PONZY SCHEME I WOULD LIKE MY DEPOSIT BACK ALONE WITH MY STOCKS XXXX XXXX PUT ON CASHAPP ILLEGALLY THANK YOU,... ..IVE TRIED OVER THE YEARS TO GET MY DEPOSIT AND MY STOCKS BACK FROM THEM NO HELP I HAVE WRITTEN YOU GUYS PLENTY OF XXXX XXXX STILL DIDNT GIVE ME MY MONEY ... ..YOU CAN REACH ME AT XXXX ONLY, NO EMAILS, VOICE MAILS, ARE TEXT MESSAGES PLEASE USE THIS NUMBER ONLY THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Chase, I am contacting you all about the Chase XXXX XXXX Credit Card that is now closed, but was fraudulently opened in my name and card ends in XXXX. 

I would like to receive via email at XXXX copies of all secure messages sent to and from this account via the app by the individual that fraudulently opened this account as well as all account statements, and all notices and letters that were sent in relation to this account. 

Thanks. 

I appreciate your assistance so far in this urgent and serious matter. 

XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Their investigation did not fix an error on your report

Complaint:
I've been in XXXX Texas since XXXX, The address Equifax has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The XXXX Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - XXXX XXXX XXXX Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar sent a property inspector by my home. This has happen several times but on XX/XX/2017 I was home. The gentleman drove up in the driveway after taking pictures of the house. I told him I was the owner and he stated he was doing a property inspection. I invited him in and he refused. As he backed out of the drive way he made several XXXX remarks toward me. He drove around the corner and came back trying to agitate me. I contacted the police department and my attorney. A report was taken for the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is in reference to a previously filed complaint # XXXX. 
I received a response from the CFPB stating that my complaint had been forwarded to the company ( Nationstar Mortgage LLC DBA Champion Mortgage ) on XX/XX/2017. This company is a mortgage servicing company. I have not received a resolution to my complaint. I have attached 2 letters to this complaint, to add more information and a sense of urgency for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX Data breach and may have got into the hands of the wrong person.

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 2022-11-16
Company: EQUIFAX, INC.
State: IN
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 any 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX to XX/XX/XXXX XXXX Hospital ( XXXX XXXX Hospital ),  XXXX, CA. I was told when I went in for XXXX that my portion to pay out of pocket was {$2600.00}. I paid on XX/XX/XXXX - {$1000.00}. The remaining balance was {$1500.00}. I received so many different bills from XXXX  XXXX and I paid them either at once or I put them all on payment plans. The different bills had different account numbers. I have contacted them several times to verify who was owed and which account numbers went with who was owed. I have all of the payments I have made to XXXX XXXX up until XXXX. I was told I no longer owed any money. I received a phone call this afternoon from a collections company called Medi-Credit ( XXXX ) stating I owe XXXX XXXX {$1000.00}. I immediately contacted XXXX XXXXXXXX at XXXX, they transferred me XXXX XXXX XXXX who I did not need to speak with because I don't owe them any money. I had to call XXXX who stated XXXX forwarded my account for collections. I was referred back to XXXX main billing at XXXX. I asked to speak with a supervisor or who ever was in charge so that I could find out why I never received anything in writing or even a phone call if this money was owed from XXXX. The rep transferred me back to Medi-Credit. I  have been unsuccessful since XX/XX/XXXX of being able to get a bill for everyone who I owed ( XXXX Hospital, Doctors, XXXX, or XXXX  ). I just receive bills and I was just paying them because I did not want anything being submitted to collections. I just want and need clear answers to what they say I owe. I have every payment made to XXXX  and the various account numbers they have given me. Please can someone please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation