BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, National Credit Systems, they published and are sharing false information, about my credit history with FALSE documents, its causing a lot of damage with these collections that doest exists. 

I've been trying to apply for personal credit and for my business and even though I have great credit the banks weren't approving anything. I then did some research and discovered that since XXXX I have Collections that don't belong to me on my credit, and I am being harmed by this. My credit was from XXXX to XXXX. 
Now, because of National Credit Systems actions, I am paying more for insurance, car loan, and my application for a new job position was denied because of my credit. I need to be a General Contractor, but the license requirements needs a higher them XXXX credit. 
The collection refers to an apartment rental contract, but my name was removed from that contract more than a year ago, I have nothing to do with the open account with the company anymore, I have all the evidence, all the evidence that my name was removed from the contract, and this was reported in my name. 
The worse part, Nacional Credit System has my Collection and its sharing with others agencys of credit but its all false information. NCS is the worse place for debit collection because it hurts a lot my personal credit. 

I had a lot of damage because all this companys did not follow the law, they use false documents, made false affirmations, created false collections, now i have a lot of problems because they did all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I was discharged from a Chapter XXXX bankruptcy filed in XX/XX/XXXX. The reason I filed for a Chapter XXXX instead of Chapter XXXX bankruptcy was due to wanting to take all measures to keep my home. During the bankruptcy repayment period, my mortgage was sold to Nationstar. Upon the completion of the bankruptcy in XXXX, I contacted Nationstar to make sure that they had everything they needed in order for me to resume paying the mortgage now directly to Nationstar. During that call I was informed that they did not have record of me completing the bankruptcy and to call back later. I called XXXX more times during XXXX and XXXX, each time being told that they still did not have any record of me completing the bankruptcy and that I could not access the account online or receive statements. They told me that they could not give me any information because I was in bankruptcy. Nevertheless, I did begin to send them payments for the mortgage in the hopes that this would be resolved. 
To this date, I still have never received an account statement from Nationstar showing me what I owe overall or what my monthly payment should be or no record showing that the payments that I have sent have been applied to my principal loan amount. The last time that I called Nationstar stated that they would get notification on when I was out of bankruptcy and that they would be contacting me. On XXXX of the phone calls to Nationstar, they appeared to be very disorganized and told me that I had not being paying the mortgage and that I was in foreclosure. I called my attorney and his paralegal told me that Nationstar had approximately {$67000.00} in the trustees ' account that had not been collected or applied to my account. Due to the lack of communication and statements from Nationstar, I stopped sending payments as I had no idea where these payments were going or if they were even being applied to my account. 
On XX/XX/XXXX, I received a certified letter from Nationstar, stating that I am now {$22000.00} in arrears and I have until XXXX XXXX to cure this. Meanwhile, I still have yet to receive even XXXX statement from Nationstar showing my principal loan balance or any record of the status of my account. Upon receiving this letter I immediately contacted Nationstar to see what this was about and why I have not received any statements from them and their representative told me, " Yes, I see we are not sending you statements and I am not sure why. '' I want to pay my mortgage and provide a homestead for my family, but I do not have {$22000.00} in full to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
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, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is currently serviced by Nationstar Mortgage. This letter is in regards to excessive fees that I feel I am being charged on my loan. I tried to make contact with Nationstar Mortgage numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Nationstar Mortgage advised me to contact their law firm XXXX XXXX. That law firm advised that they can not talk to a represented client, so, Nationstar Mortgage advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. 

On XXXX XXXX, 2015 a request was made to XXXX XXXX for updated Reinstatement & Payoff figures on my loan. 

On XXXX XXXX, 2015 I received a copy of the XXXX & XXXX quote from XXXX XXXX. After reviewing the payoff quote provided by XXXX XXXX, there are numerous fees that I feel are excessive and no explanation is given in regards to the fees. The lender paid expenses are unexplained and excessive, the pending advance expense is unexplained, corporate advances are unexplained and excessive, charges for reinstatement & payoff quotes have been charged on my loan and the payoff quote includes non-adjudicated attorney 's fees. Examples are listed below for your review. 

Escrow Advances $ XXXXXXXX Recording Fee $ XXXX Advances : $ XXXX Inspections $ XXXX Fees $ XXXX Fees MET XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX $ XXXX Fees XXXX XXXX XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX ) $ XXXX Fees XXXX XXXX $ XXXX Exam $ XXXX Recording $ XXXX Fee $ XXXX Filing $ XXXX - XXXX - XXXX @ {$40.00} $ XXXX $ XXXX of Process $ XXXX of XXXX $ XXXX of Process $ XXXX of Process $ XXXX Attorney Fees and CostsAttorney Fees Mediation/Conc Conference Estimate $ XXXX Fees Mediation $ XXXX Fees XXXX Estimate $ XXXX Fees XXXX Hearing XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX. XXXX Release Estimate $ XXXX letter good through XXXX $ XXXX letter good through XXXX $ XXXX XXXX Fee $ XXXX loan number is XXXX state of Florida XXXX XXXX of XXXX case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX fraudulently charged me XXXX when I canceled my account. I went round and round with : XXXX XXXX XXXX : ( XXXX ) XXXX Executive Customer Relations, Case ManageXXXX Explaining how it isn't correct. 
Sent to collections : Transworld systems XXXX They call me from this number 6 times in every 7 day period and then spoof call me XXXX more times on those same days. If you look at my call log you will see it clear as day. They are in violation of fdcpa rules for harassing me. 
I want it stopped.

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 2023-06-08
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative account from my consumer report, which has been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to your agency, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. These entries violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : XXXX USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In XXXX XXXX XXXX XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I want you to update this account as I am never late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage paid my homeowners twice last year resulting in a {$500.00} per month increase in my total house payment. Several months later, they continue to refuse to correct the mistake, and have now reported me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Was not notified of investigation status or results

Complaint:
I want you to update this account as I am never late in this 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 2023-05-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2022-11-21
Company: EQUIFAX, 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:
I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information immediately : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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:
Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Experian has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been running late on some of my payments XXXX Santander I calling me on Sundays telling me they are a debt collector I asked them to stop calling me on Sundays and they still continue to call I have never missed a payment with them its been late several times but not more then 29 days late they still continue to harass me. I called them to see if I can skip a payment however they said the loan is not old enough I also asked if we can change my due date and the would not help with that either. They are also charging me over 20 percent interest on my auto loan and late fees if the car payment is not paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX WOULD LIKE TO HAVE XXXX XXXX REMOVED BECAUSE I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND WOULD LIKE THIS TO BE REMOVED IMMEDIATELY I DONT EVEN KNOW THIS BANK AND NEVER BANKED WITH THEM

Company response to consumer: Closed with explanation