BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE. Please Remove the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ( BARCLAYS BANK DELAWARE 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 2023-03-13
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently 3 months behind on my payment, almost XXXX. Several weeks ago maybe XXXX we attempted to make a partial payment that was refunded unaccepted. We then applied for a modification which was denied. I have now been told that on Saturday XXXX XXXX a demand letter will require the full amount, XXXX approximately. I attempted to establish a payment plan for XXXX today and XXXX on the XXXX but was told that i must make a payment of XXXX by Saturday to avoid the demand letter and starting foreclosure. I am in this position due to a loss of income and can not financially afford the lumpsum of XXXX or the XXXX at one time. I want to keep the home, i have a VA loan and want to avoid foreclosure completely, nationstar is simply refusing to work with me i feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I noticed that I had an account in collections for Rent Recovery Solutions for The XXXX apartment complex in XXXX. I have never lived in XXXX and have been in a house for over 7 years. When I contacted the debt collection agency as well as the apartment complex it was confirmed that the social security numbers did not match and neither did our middle names or license number. I really need this corrected and off of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Newport Intermediate Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have 2 pre-paid digital credit cards with the company XXXX. The cards were provided with a short expiration date and are now expired while I still have funds on them. 
In order to be able to use my funds, the only option is to request a replacement card, however, the company is adding abusive barriers for that to be done : 1. The only way to do it is to print a form, sign it and post it to the company. If the form is not received in 30 days, it is not considered 2. One can not control the post times, specially when living outside of USA - there is no way for me to assure it will arrive on time. Not to mention that we are living in 2023 and there are better ( digital? ) ways to submit such request 3. Replacement fees are abusive, meant to consume your balance.

4. The balance I still have in one of my cards is not enough to pay the replacement fees, meaning my balance is " locked '' and ultimately lost due to lack of options to withdraw or transfer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about,XX/XX/XXXX, My husband and I, bought our first and only home through XXXX XXXX Mortgage XXXX XXXX , Ks . With interest rate of 9.4 %, 30 year loan, last payment to be, XXXX/XXXX/XXXX. Amount financed {$40000.00}. Then on or about XXXX to XXXX, XXXX XXXX Mortgage took over our loan. Beginning balance of {$41000.00}, interest rate 9.4 %. Then on or about, XXXX to XXXX, XXXX Mortgage took over our loan. At this time I believe the loan was modified and interest brought down to 8.5 %. Then on or about, XXXX, Aurora Loan Services Inc. took over our home loan. During the time with Aurora the loan was modified to Interest rate of 6.0 %. Then on or about, XXXX to XXXX, XXXX loans took over our loan. With interest rate remaining at 6.0 % as of XXXX/XXXX/XXXX. Balance of {$37000.00}. Then on or about, in XXXX XXXX XXXX XXXX took over our loan, principal balance, {$40000.00}, interest rate 6.0 %. Then on or about XXXX, to present, NationStar mortgage took over our loan. With interest rate remaining 6.0 % and principal balance of {$32000.00}. 
I have made attempts at investigating with, XXXX, XXXX XXXX XXXX, and Nationstar, asking for explanations of how our loan beginning in XXXX to currently XXXX, ( which is approximately 23 years ), could have a balance of {$32000.00}. Meaning we have only paid {$8100.00} in 23 years? But no one is willing or able to investigate our loan thoroughly for accuracy of our payments and credit for those payments. Unfortunately, we were ignorant to believe that banks do n't make mistakes, and we should have balanced our loan payments like we balance our check book. Although, we may have had some life events that caused our less than perfect credit, this loan still makes no sense because I am certain that had we only paid {$8100.00} to our principal balance in 23 Years, we would not still have our home. We are current on our payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: OH
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 : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXXl Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number - XXXX Account name : XXXX XXXX XXXX  Account XXXX - XXXX These accounts 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 : states 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 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I paid my balance of {$200.00} off for XXXX for my capital one Credit Card. I dont pay the balance of {$200.00} for XXXX until XX/XX/2023. XXXX has added that I didnt pay my credit card or my credit card balance which then made my credit score drop down XXXX points when I pay my credit card off before the due date every single month. I will attach statements as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due Hurricane Ian XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with Citizen 's Bank. I sold the house and closed on XX/XX/XXXX. IN good faith, I paid the mortgage for XXXX thinking it was close to the due date. It is now XX/XX/XXXX and they still won't refund me for the mortgage payment, escrow monies, etc. After charging prohibitive fees to tell the title company how much was owed, they sent the check ( ostensibly ) to the wrong address. All my official, formal documents including the post office change of address is for my Maine address. I paid nearly {$300.00} in closing fees and none of that covered them doing their due diligence in where my refund should be sent?? I have called about 20 times. I called today and was sent to three people. The last one just hung up on me. This is an inept and CORRUPT bank. I also sent a snail mail letter and I get nothing in response. This is criminal. I am owed more than {$3000.00} and it is nearly two months past closing. When you call the bank, it is a XXXX minute wait where they pound you with a message that all your problems can be solved by downloading their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 items : 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 2015-08-10
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I apparently ( according the Nationstar Mortgage ) in 2012, took care of that issue. We received a letter stating that we owed {$1100.00} in late fee, I contacted Nationstar they confirmed the amount and that i needed to pay. After an hour on hold / transfers i choose to speak to an agent in the XXXX ( their call center is in the XXXX the person would not tell me even when asked directly ) After speaking to someone in XXXX, she said, " I reviewed your account and those fees were deferred '' so the first XXXX people for Nationstar would have gladly taken my money that I DID NOT OWE. 
Lesson - DO N'T TRUST NATIONSTAR, keep ever record I 'm currently hold in get it documented!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We held a mortgage in good standing with XXXX XXXX Mortgage for over 12 years. In the fall of 2014, they sold our mortgage to Nationstar Mortgage. The transfer was rough on the Nationstar side ( no communication and lack of reps that could see the transferred loan in their system ) but we did n't miss a single payment. 6 months after buying our loan, Nationstar is advising we have negative escrow and want a {$5800.00} check now or a {$470.00} increase to our monthly mortgage payment for the next year. Problem is that we never had an escrow account with either XXXX XXXX or a new one with Nationstar. After sending it to their escrow research department XXXX times ( the first time the rep said he would log it but did n't so their records only show XXXX attempts ), we get the same form letter with the same demands every time. Our choice now is to damage our credit or pay almost {$500.00} a month extra in mortgage for a debt that XXXX XXXX added to the end of our loan period. 
Additionally, our mortgage was an ARM that could only be adjusted during the first XXXX quarters of the loan. That time limit has come and gone under the XXXX XXXX term. Now Nationstar feels they have the right to adjust the rate every 6 months over the remaining life of the loan which was never the terms of the original mortgage. How is our mortgage allowed to be sold and the new mortgage lender not follow the terms of the original mortgage? We have not entered into any subsequent or amended agreement with Nationstar and had no say in the matter when they purchased our loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this 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 2023-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I received a letter from XXXX XXXX XXXX in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from XXXX XXXX XXXX I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called XXXX XXXX XXXX and settled the unpaid balance immediately, with the agreement and understanding that XXXX XXXX XXXX would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that XXXX XXXX XXXX had reported to XXXX, Experian, and XXXX, a collections account that had a {$0.00} balance I used XXXX, Experian, and XXXX 's Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the XXXX and Experian credit 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 2023-10-24
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: MD
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00XXXX 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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 'S XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation