BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX 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 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

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 2022-11-04
Company: Porsche Financial Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX vehicle. I offered a XXXX XXXX bus in exchange. A Payoff was requested from XXXX and sent to XXXX XXXX on XX/XX/XXXX, to be paid by XXXX XXXX. The dealer promised the customer to pay before XX/XX/XXXX, as there was a pending payment. On XX/XX/XXXX, I received an alert from XXXX marking XXXX late. I go to XXXX XXXX to inquire about the payment and they show me evidence that the payment was sent to XXXX. I contacted XXXX and they told me that they had not received the payment. I went back to XXXX XXXX to investigate the payment and was told that they had to send a new check because it had been lost due to XXXX XXXX. They send a check again and XXXX receives it and it took a long time to receive it and they marked my XXXX credit as 60 days late. Today I contacted XXXX to explain the situation and they told me that the customer is the only XXXX responsible for the payment. The situation has caused damage to my credit report because they did not meet their responsibility to pay on time. XXXX XXXX expressed their apologies to me, but that they could not remove the marks. I am requesting assistance because I acknowledge that there was a pending payment and that it will be paid on XX/XX/XXXX. I trusted XXXX XXXX to send the payment. I have always maintained excellent payment with XXXX and I am surprised that they can not accept the mistakes and accept the apology from XXXX XXXX. and they prefer to affect a compliant client. I am requesting that XXXX and XXXX be removed from my Credit Report, or the Credit Bureaus account removed. I will appreciate any help you can give me as the Services I received from XXXX was arrogance in not being able to understand that there was a situation that I had no control over. I am surprised by the lack of sensitivity received, since I complied with what was agreed, it was also my second paid vehicle. XXXX XXXX staff are arrogant and have little knowledge on how to treat their clients. I acknowledge that I am responsible for all payments, but can not be held responsible for the failure of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 Capital One received a credit card application for a credit using my name and ssn. 
i use XXXX XXXX, they reached out to me, hence I contacted XXXX XXXX and had a 3 way call, having Capital One mark the application as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a Harp loan the XX/XX/XXXX. I was with XXXX. 
mortgage my payment was $ XXXX. XXXX sold our loan to Nationstar XXXX XXXX. We continued the payment setup with XXXX. Now Nationstar wants to increase our payment by {$860.00}. This is more than what we were paying before the Harp program. We feel they ae over compensating for a shortage in escrow. Our insurance went up about {$300.00}. 
Can you help us with this problem. They want this change by % XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX XXXX customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX open account {$5000.00} ), XXXX - XXXX service ( closed account {$2500.00} ), XXXX XXXX XXXX  ( closed account {$4500.00} ) and XXXX XXXX ( closed account {$43000.00} ), have 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-07-11
Company: HYUNDAI CAPITAL AMERICA
State: GA
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 was robbed and my belongings were stolen from me. I filed a ftc and police Report I dont have the police report on me at this time. I can provide the report number if needed. FTC Report reference number is 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 2023-01-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Both the financial institution " XXXX XXXX '' and the Consumer Reporting Agencies involved, have violated my rights as a consumer under the US Code, Title 15 USC 1681b ( a ) ( 2 ). I have never given written consent for this information to be shared or furnished on any public domain. They have also violated my rights under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by publishing information regarding transactions between the consumer and the reporter. 
They have published an alleged late payment as XXXX days late in the month of XXXX, 2020. 
I have filed disputes directly with the CRAs and had no resolution. 
I have also called XXXX XXXX and spoken directly with a representative while still reaching no resolve. 
This information has repeatedly hindered my ability to operate in commerce.

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 2022-11-03
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a situation where I was promised {$10000.00} by a XXXX trader on XXXX if I invested money on a website and later on they would double it for me but as the trader continued to send more money I was left at a point where I didnt want to so I decided to ask for my money back which was {$3800.00} and at that point the trader refused and continued to state that the only way I can get my money is if I send more so Im left at a point where I dont know what to do, I have further details about my situation attached in the documents I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX XXXX and XXXX XXXX XXXX Account # 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 a account without my written instructions XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-04
Company: EQUIFAX, INC.
State: LA
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 sent you a letter last XXXX XXXX, 2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 adverse item 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
In XXXX was told when I talked to a representative this reverse mortgage was a program set up by the government for XXXX XXXX. For me, was advised it would act just like a savings account, if I needed money for an emergency, I could draw money from the amount my house was appraised at. At time of my death or moving out of house, my family would have the option to pay back the amount I withdrew or if was a large amount, turn the house over to them. All this was done over the phone and each and every time I talked with them, was the same, it would be an escrow account, or savings account. Being a widow, I thought this would be good for me as I didn't have much savings. In reading now online about reverse mortgages, says before a mortgage could be given, a counselor was to speak to the person and everything explained in detail. I never had that, and in fact each person that I talked to was more and more convincing how great it was, and their parents had it and was so satisfied and they knew I would be too. Never once did anyone say you are knowingly taking out a loan in the amount of the appraisal of your home, in which you will be responsible paying back plus interest even if you don't withdraw any funds. After receiving a few statements, I kept seeing all these charges and interest so called them to get information what it was all about. And each time was of that doesn't apply to you as you have an escrow account. And each time it was a different reason, even that I would be earning interest enough that could pay my property taxes each year. But no explanation how that worked. 
Was just a month ago when finally a man at the office rudely asked if I hadn't read the papers I had signed and I told him each paragraph was told, that didn't involve me as I was only doing an escrow account. I am just sick as now I have to tell my son he will have to pay this so called loan to keep the house. 
This is definitely a fraudulaunt business, and I was definitely misinformed from day one. I need to find a way out of this, I don't know what to do, I need help. 
The company is : Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, Mi XXXX. Phone XXXX. The original company was XXXX XXXX, Reverse Mortgage Division, XXXX XXXX XXXX XXXX, XXXX, Ok XXXX I was definitely sold a scam, and how many other seniors are having the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: DE
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 my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Im notifying you that the following account is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character. 

Account Number : XXXX Please investigate and delete this account because it is reporting two different dates last active : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. Two different dates opened : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. Two different account statuses : XXXX - open, Equifax - closed. Equifax has also FAILED to report the dispute status whereas XXXX has it listed this account has been disputed already. This is a direct violation of the FCRA as any person who willfully fails to comply with any requirement imposed under 15 USC 1681n with respect to *any* consumer is LIABLE to that consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure or damages. Another failure will result in immediate legal action. 

Account Number : XXXX Please investigate and delete this account because it is reporting three different dates last active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. Two different dates opened : XXXX : XX/XX/XXXX, XXXX XXXX Equifax XX/XX/XXXX. Two FALSE last payment dates : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. A PAST DUE AMOUNT OF {$0.00} across ALL bureaus. Another attempt at defamation here. All 3 bureau 's have exercised willful non-compliance and pure negligence. 

Either the furnishing of this information is unreliable, or you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Again, please carry out a reasonable investigation into this matter and delete this account from my file immediately or prepare to face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We lost our home in the XXXX 2015 flood. Because of the location of our home, NationStar placed us with insurance through XXXX XXXX XXXX XXXX ( XXXX ), Certain Underwriters at XXXX XXXX XXXX. The value of the policy is {$110000.00}. This exceeds the payoff amount, the actual property value and the amount of the mortgage loan. In XXXX, NationStar received a settlement from XXXX for approximately XXXX % of the policy value. Unfortunately, the home can not be repaired as described in the insurance settlement as it has been declared substantially damaged by XXXX County and must be elevated if we are to return to the home. I contacted an attorney and met with him on XXXX XXXX. On XXXX XXXX we received a letter fromt he law firm stating they would not be able to help us ; there was not additional explanation in the letter. I have asked XXXX on numerous occasions, both verbally and via email for a copy of our policy, for my appeal rights and for their grievance procedures. All requests have gone unanswered. I 'm afraid that our appeal rights have since expired and that waiting for an attorney may have cost us valuable time and opportunity to move forward. I have contacted my Representatives and Senators at the local and national levels with no headway. In fact, some people I 've spoken to have actually advised applying for bankruptcy or allowing the mortgage to default. These are not viable options in my opinion. The attached letter contains detailed information you may find helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
When I applied for a Parent Plus loan for our son ( XXXX XXXX  ), my husband and I both had great jobs. 
Our son suffered XXXX while in school and transferred twice, thereby attending XXXX different colleges. 
He had enough XXXX credits to be a professor ( i.e., college B doesnt accept credits from college A, etc. ), The costs to retake college courses when transferring seems criminal. 
Down the road at payback time, I had XXXX XXXX XXXX  and finally a XXXX which landed me in the hospital for XXXX days. The high paying, high demand corporate job I held was causing extreme stress that was determined to be the cause of my XXXX. I left that job and was XXXX XXXX XXXX. 
I put my loans in deferment while I was not working. This racked up phenomenal debt in the form of interest. At one point the bill was XXXX ( for a XXXX XXXX in XXXX XXXX ). 
Great Lakes, the servicer for my loans is now Nelnet. According to the new Nelnet website, my current balance is {$200000.00} I can tell you that in XXXX after we sold our home, we paid XXXX toward our balance. Also, in accrued interest we paid {$12000.00} in XXXX. A total of XXXX, XXXX thus far has been paid by us toward this debt. 
My husband retired in XXXX he has had several health issues over the last 3 years and has not been able to contribute to any household earnings other than his SS which isnt quite enough to cover the mortgage. 
One of the colleges my son attended closed ( XXXXXXXX XXXX XXXX ). During the summer of XXXX, the college was placed on probation by its accreditor, the XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX and Colleges, over concerns about its finances. 
My current balance is {$200000.00}, knowing we paid nearly {$60000.00} to date is troubling. While I do work, I am self employed, therefore, paychecks are not regular. 
I am a parent of a child who neither parent ever attended college. We wanted this for our son and at the time we both had good permanent jobs which we expected to allow us pay the high cost. 
Thank you for any help, I do not see me getting out from under this alone.

Company response to consumer: Closed with explanation