BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I disputed this account with XXXX. They said the account was validated by Receivable Management Services. I sent a request for validation on XX/XX/19 and I never received any documents from them. Secondly, there is another collection company collecting on the same debt. How is that possible? In fact, it is illegal for two collection agencies to collect on the same debt.

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: 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:
Experian is continuing to report inaccurate information about a charged-off account. They are reporting that it was charged-off multiple times but it was only charged-off once. I have notified them twice about this already but they refuse to remove this inaccurate information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. 
The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. 
The mortgage is under my wife, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX and 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 an account without my written instructions.

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 2021-06-23
Company: CBC Companies, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Thank you for the opportunity to submit this information. 

I applied for a loan refinance on Monday, XX/XX/XXXX. I applied with the following company XXXX XXXX. On the next day, since I hadnt heard back from them ( phone call or email ) I applied with XXXX  XXXX XXXX. 

1. XXXX  XXXX XXXX locked in a rate for me and subsequently asked for supporting documentation ; one of which was Provide detailed explanation of credit report inquiries, including documentation of the terms for any new debt incurred for the following inquiries : FACTUAL DATA, XXXX, XXXX. FACTUAL DATA, XXXX, XXXX. FCTUALDATA, XXXX, XXXX. Well I didnt know what this FACTUAL company was my credit report listed their information ( pasted below ) so I called at approx. XXXX on XX/XX/XXXX ; the representative immediately asked for my Social Security number so she could pull my information around a mortgage I applied to ; I stated that I would like her to provide a listing of the mortgage companies they are affiliated with ( who they pull information for I asked this so I could determine if it was XXXX XXXX that made the inquiry on my credit report ). 

The representative said she could use my name and last 4 of my social. I gave her my name but not my social and I told her that I would be submitting a complaint to CFPB and that I would get the information I needed from you all. She went on asking if I wanted to speak to management, I replied no I went on to say that her company ( which I didnt even know if it was real I never heard of it ) made an inquiry on my credit report and that she couldnt tell my why unless I provide my confidential sensitive information something is wrong ; they should have enclosed on the credit report that they ( Factual data ) were making the inquiry on behalf of XXX ( mortgage lender ) She then said she could get to the data if I gave her the exact date of inquiry, I told her one Credit Bureau had XX/XX/XXXX and the other had XX/XX/XXXX as the inquiry dates. She said OK she sees XX/XX/XXXX but she would need my full address I provided my city and state and when she wouldnt tell me who hired them to inquire ( pull my credit report ) I told her that I would be submitting a complaint. 

This seems so strange and unfounded and something should be done to prevent citizens from knowing who is inquiring on their credit report without divulging personal confidential information especially in this age of identity theft. 

Thankyou so much for your assistance. I look to hear back shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm requesting a line by line reinvestigation of all of my accounts. I don't see how you could have missed the fact that these accounts are both open and closed. How can that be possible, and because of this oversight, I want these accounts deleted asap. As you know In Accordance With the Fair Credit Reporting act. These accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX XXXX Incorrect names : XXXX XXXX XXXX, and XXXX XXXX. Incorrect phone numbers : ( XXXX ) XXXX, and ( XXXX ) XXXX. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-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. These accounts are inaccurate and must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Problem with Nationstar MortgageI have written you XXXX before about this company and the way they do business. It has not gotten any better. 
I started the loan modification process in early XXXX. I previously wrote you how they " botched '' the application after torturing us for months, making us resubmit the complete application XXXX times, etc. 
Long story short : After they finally approved the modification in XXXX XXXX. I was told to pay the regular mortgage for XXXX and start the XXXX lower payments starting in XXXX. I paid XXXX and XXXX on time. 
In XXXX, I was informed that I paid all 6 months in full. When I called to question that, they said I should not have been told to pay XXXX mortgage - that it actually counted for the XXXX XXXX payments. They resolved this problem, by sending me back the XXXX and XXXX payments I made and letting my unpaid balance and penalties grow starting XXXX XXXX. 
Late XXXX, someone finally resolved the issue and stated that I would go on the unemployment program starting XXXX XXXX. If I paid my {$600.00} monthly statement on time for 6 months and found a job prior to XXXX XXXX, I would then qualify for a loan modification. He said that usually they even forgive up to 75 % of the debt. I was also told : The new loan % rate will be reduced and/or the payment period extended. There would be an initial 3 month trial period to see if I paid on time. If I did, the new lower monthly amount would start in the XXXX month and continue until the end of the loan. 
As requested, I sent in the verification of employment form in XXXX after I was hired for a new full time job. I was told to pay the XXXX payment and to contact Nationstar to start the process of the 3 month trial period. I contacted them to see the next step. They told me to call back in a couple of weeks. 
When I called today, I was informed that the " investors decided not to participate in the loan modification. '' I was knocked down to my knees. I was finally able to speak with a manager. He informed me that all of the outstanding balance, {$34000.00}, is due within 9 months to XXXX year, and and my mortgage will still be the same ... ... we will have to pay over $ XXXX/month or we lose the house to foreclosure. 
Needless to say, I think what they are doing is unethical, unfair, and illegal. Not once in any of my XXXX conversations over the last year with various rep 's did this come up as even a remote possibility. 
Can you help to correct this injustice that we are facing and save our home? We have been living in this home since XXXX. I have never been late on a payment or had any problems until Nationstar took over from our previous bank, B of A. 
Please help. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CT
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 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 non-monetary relief
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THERE IS ONLY ONE LATE PAYMENT ON MY CREDIT REPORT, LISTED AS DEROGATORY. IN 2019, I CLOSED MY ACCOUNT WITH XXXX XXXX  DUE TO A SUCCESSION OF FRAUDULENT ACTIVITY ON MY CARD WHICH DISCOVER TRACED TO XXXX AFTER CLOSING MY ACCOUNT, A CHARGE WAS ADDED TO THE CLOSED ACCOUNT ALTHOUGH NO GOODS OR SERVICES WERE EXCHANGED WITH THE VENDOR. I REFUSED TO PAY A CHARGE THAT WAS NOT MY OWN. XXXX REFUSED TO REMEDY, DECLARING THAT THE DISPUTE WAS BETWEEN MYSELF AND THE VENDOR. BECAUSE I REFUSED TO PAY A FRAUDULENT CHARGE, XXXX APPLIED A CHARGE-OFF ON MY ACCOUNT, AND THE NET EFFECT IS AN ARTIFICIALLY LOWER FICO SCORE. 

I CONTACTED TRANSUNION TO REMEDY MY CREDIT REPORT, BUT APPARENTLY THEY SIDED WITH XXXX. 

COMMON SENSE DICTATES THAT IF I HAVE NEVER MISSED A PAYMENT ON A ANY LOAN I ASSUMED OR OTHER CREDIT ACCOUNTS ( MANY OF WHICH ARE PAID OFF COMPLETELY ), THERE MUST BE A REASON FOR WHY I AM NOT PAYING XXXX. AGAIN, I REFUSE TO PAY FOR A CHARGE THAT DELIVERED NO GOODS OR SERVICES.

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 2015-08-17
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an ARM with Nationstar. My anniversary date is in XXXX. My XXXX statement ( i.e. for the payment due XXXX XXXX ) shows my current interest rate indicating that 's the rate through XX/XX/XXXX. The XXXX statement came showing the SAME interest rate with a NEW date of XX/XX/XXXX ; at which point I assumed my rate would remain the same for another year and decided not to pursue a refinance. Then for the XXXX statement ( which I received in the mail on XXXX XXXX ) it shows an interest rate .25 % higher through XX/XX/XXXX. So in XXXX consecutive months they gave me conflicting information, and effectually notified me of a rate increase just 17 days before the new rate would be taking effect. I received no other notices by mail, by e-mail or in the message section of my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is an account on my credit report that does not belong to me in the amount of {$1500.00} reported by XXXX which has resulted in my credit score dropping XXXX points. This account has no payment history but list that it is a 7 1/2 year old account. 

This is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. This account has never been late. 
XXXX, XXXX. 
Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX 
Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was part of bankruptcy. The home was foreclosed on through bankruptcy. I had my attorney write a letter to the company they closed the account but it still shows as an account that was in non-payment for XXXX months therefore really hurting my credit, which should not be on the credit bureau 's reports as the debt never should have been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
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:
I told Experian. XXXX, AND XXXX Credit Bureaus that aacount inmy report are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Privacy Bill of Rights Act which were enacted by congress to protect and secure the use of my name, identity, privacy, and rights as a consumer. 
I have never given any consent or authority to your agency to use any of my personal information for any means. This is NOT a request for verification nor is it a request for verification via XXXX The reporting of inaccurate and unsubstantiated information without consent to any consumer report may constitute constructive fraud under federal law.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately

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 2022-02-03
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX of 2021 I entered into a reduced payment plan agreement with Discover Student loans at $ 50 monthly payed automatically. The description of this payment plan was provided as being a minimum of 6 months and but was told I my would continue for a total of 12 months and that we would then reassess my financial situation at that time. 
However very suddenly in XXXX the payments stopped being auto drafted and am now being told the program was only for 6 months and being placed back in the same program was not an option. I had had a very good payment history and never missed a payment and they are now asking for hundreds of dollars monthly that I can not afford and threatening to charge off the entire loan. 
Additionally they have threatened to go after my co-signer who is my former step father. These loans were purchased by discover student loan years ago from XXXX student loans. Whole with XXXX, my step father had been removed as a co-signer, however after being acquired by Discover he was added back on without notice. My mother past away a few years ago very suddenly and my former step father is now remarried and lives in Florida. He already having been previously removed as a co-signer while held with the loan originator XXXX XXXX due to good payment history and that fact that my mother is dead, leaving him totally without any responsibility for these loans, and for Discover to threaten to go after him is wholly unacceptable. 
I have offered to continue with the same arrangement until I am in a better financial position to make my standard payments. I even offered to increase the payment amount to {$75.00}. Twice I have called and asked for the issue to be escalated to a supervisor for help and each time I have been placed on hold for greater than 30 minutes until the line suddenly disconnects. 
This would benefit both me and Discover as I will receive an affordable payment and Discover received a greater amount of net interest income over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Champion. mortgage, dated XX/XX/XXXX titled mortgage due and payable notice, in total it stated the mortgage was in default due to non-occupancy of property as principle residence, with balance due in 30days from the dated letter. I have lived in my home for almost 45 years. I have had a reverse mortgage since XX/XX/XXXX. This year I have completed and submitted the annual occupancy certification three times. I have never left my home, I am XXXX and do not travel. I received letter dated XX/XX/XXXX from champion mortgage company stating they had denied my request to return the property by completeting a deed in lieu of foreclosure,, which I never requested, or submitted, I have been in almost daily contact with champion mortgage and I do believe they are trying by fraud to take my home. I have a lot more information, please contact me.. thank you

Company response to consumer: Closed with explanation