BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For the second time in 6 years I am being forced to defend my property pro se. 
It does n't seem to matter that the XXXX foreclosure was FIRST a XXXX, Aurora, Aurora XXXX XXXX XXXX, robosigned MERS, mortgage, that was thrown out of court in XXXX. And I guess the 5 year statue of limitations law in Florida, means XXXX is above the law to have to refile the foreclosure now, claiming this time, ownership of a XXXX securitization by blatently altering the records. 

Their fraudulent actions, killed my marriage of 15 years, stripped my 50 year 's net worth and has frozen my ability to work as a XXXX figure XXXX since XXXX. Around XXXX while conducting my own forensic audit, I found that DeutcheBank is and ALWAYS WAS the bad actor here and served a QWR to NationStar servicer, that never responded to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions 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:
I have sent rounds of letters to experian to request them a investigation about two inquires that are not related with me that should be deleted but they did not take any action about my request.

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 2016-06-13
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage states that we need to pay them again for the month of XXXX, 2016. However, we are having our bank bring us copies of all the checks we submitted to Nationstar, but were lost. On XXXX XXXX, 2016 we made a cashier 's check from XXXX XXXX XXXX XXXX XXXX in the amount of {$970.00} to Nationstar Mortgage. In XXXX we mailed a check for {$970.00}, check number XXXX, from XXXX XXXX Bank, to Nationstar Mortgage. We also mailed a check on XXXX XXXX, 2016 in the amount of {$970.00}. On XXXX XXXX of 2016 we mailed Nationstar Mortgage XXXX checks ; XXXX for {$1000.00}, for the month of XXXX, 2016. XXXX for {$1000.00} for the month of XXXX, 2016. Also, we mailed a check in the amount of {$970.00} for the month of XXXX, 2016. We believe we do not owe Nationstar Mortgage any mortgage payment until XXXX of 2016. Our bank is working on getting copies of the checks cashed by Nationstar, but supposedly they lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XX/XX/XXXX, my account was the victim of {$2000.00} fraud. American Express acknowledged it was fraud and eventually refunded the full amount in XX/XX/XXXX. However, a " late payment '' still shows up on my credit report from XX/XX/XXXX for the initial fraud amount that I never should have owed. 
Also in XX/XX/XXXX, per a discussion I had with American Express customer service on XX/XX/XXXX, American Express experienced a system error that triggered a fraud credit reversal, resulting in a fresh balance on this account of {$69.00}. 
This account has been closed since XX/XX/XXXX. 
As we speak, this {$69.00} balance has accrued an additional {$30.00} interest and continues to damage my credit score, which has dropped over XXXX points since this fraud occurred almost 1 year ago. I have been on the phone for hours with customer service, multiple times a month, every month since XX/XX/XXXX, trying to resolve this issue once and for all. 
Each time, I'm told it's been escalated to their back office team who will investigate and get back to me once they've figured out the issue. I have never received a single call, email, or letter with updates on my case. This is an issue that has been ongoing since XX/XX/XXXX and needs to be resolved. It is completely an error of American Express and their customer service continuously passes me from one agent to another, promising investigations and updates without ever bearing responsibility or fixing the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, I sent a mail regarding identity theft and fruadlent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my interior weekend gathering all the documents to receive a mail like that. I am extremely upset. Ive been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Affirm 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: Their investigation did not fix an error on your report

Complaint:
I am writing to address a concerning issue regarding the status of my account with your organization. According to my credit report, the account was charged off before the completion of the XXXX period, which is inconsistent with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

As per the 15 U.S. Code 1681- Congressional findings and statement of purpose, the FCRA was enacted to ensure fair and accurate reporting of consumer credit information. It is of utmost importance that all parties involved, including original creditors like yourself, adhere to these guidelines to maintain the integrity of the credit reporting system.

I kindly request an explanation as to why the account was charged off before the completion of the 180-day period. It is crucial for me to understand the circumstances surrounding this decision, as it directly impacts the accuracy and completeness of my credit report. Additionally, I request validation of the debt in question, including the original amount, any applicable fees or interest, and a breakdown of the transactions leading to the outstanding balance.

Furthermore, I would like to inquire whether insurance has been filed for this account. If an insurance claim has been made, please provide details regarding the coverage and its impact on the outstanding balance. Additionally, I would like to know if a 1099-C form has been filed for this account, as it may have tax implications.

It is important to note that the accuracy and completeness of reported information are paramount. As outlined in the 15 U.S. Code 1692e - False or misleading representations, debt collectors and creditors are prohibited from making false or misleading statements. Any inaccuracies or misleading information can have serious consequences for consumers, affecting their creditworthiness, financial opportunities, and overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: LendingPoint Holdings LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lending Point keeps charging me automated payments that I did not agree to. They keep charging me on the wrong day and this month they are trying to charge more than once. My payment date is the XXXX of every month but last month they charged me {$260.00} on XX/XX/XXXX when I called and explained that they are charging me on the wrong day they took more than a week to reverse it and there solution was to offer me a " temporary relief '' payment plan where I only pay {$26.00} on the XXXX of each month for two periodic periods which means that the next full payment should be XX/XX/XXXX but they sent an email saying that the temporary period is ending. They are taking advantage of me and will only accept automated payments which means that if they charge someone on the wrong date and put them in the negative then offer them a " temporary relief '' payment plan it wraps the two payments to the end of the loan prolonging the loan and is a tactic to increase the interest rate. This is predatory lending. Lending Point put me in the negative last month and I was not able to pay my other bills or even afford food for me and my family. Please review the documents I provided for proof of predatory lending. This is a violation of my rights as a customer with TILA and the federal transactions act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.

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 2023-07-21
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00}

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 2020-04-09
Company: Harvard Collections, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company they did not have a complete of information of this debit, They have only my Name last digit social security and my original address, but they did not have a other info about the debt.The same debit was deleted previously from my credit report, from one other company that thy cant verified all the necessary information. Harvard Collection Service located on XXXX Il they are rude people they call me and the operator threat on me that the sheriff dept is on there way to arrest me if i do not pay over the phone, I contact my local police department to file a claim against of those threats

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2022-11-21
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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.

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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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 2023-11-22
Company: Bread Financial Holdings, Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accuracy of the information related to an account with your organization. After reviewing my credit report, I have identified discrepancies in the reported Date Opened and High Credit on the account in question. 

To ensure the accuracy of my credit information and to address these concerns, I am formally requesting validation of the debt associated with the account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and supporting documentation. Please provide details regarding the accuracy of the Date Opened and High Credit, and any documentation supporting this information. 

Furthermore, I would like to inquire about the status of any insurance claims filed in connection with this account. If insurance has been claimed, kindly provide details of the claim and its resolution. 

In addition, I am seeking clarification on whether a Form 1099-C, Cancellation of Debt, has been filed in relation to this account. If so, please provide documentation related to the filing and any relevant information about the canceled debt.

I would like to draw your attention to the importance of accurate credit reporting, as outlined in 15 U.S. Code 1681n. This section establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). It is crucial for creditors to ensure the accuracy of the information they report to credit bureaus, as inaccuracies can have serious consequences for consumers.

Moreover, I wish to highlight 15 U.S. Code 1692e, which prohibits false or misleading representations by debt collectors. Providing accurate and verifiable information is essential to maintaining the integrity of the debt collection process and ensuring fair treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Genesis reported invalid debt to credit reporting agency in XX/XX/XXXX. I disputed through credit reporting agency in XX/XX/XXXX. Came back verified. On XX/XX/XXXX I called Genesis and asked what this is. They told me the amount and name of original creditor. I told them they must have a mistake. I then filed a complaint on XXXX website. The email they sent me included a brief summary of amount owed and how to pay along with attached bill and apartment lease. This email did not disclose my right to dispute this debt anywhere in it. The claimed debt that genesis  is saying I owe was in XX/XX/XXXX. From XXXX XX/XX/XXXX. I never received any sort or communication what so ever from genesis  during that period. In XXXX complaint, Genesis even admits that debt validation was sent only after I filed complaint with XXXX  in XX/XX/XXXX. I believe Genesis has improperly reported this claimed debt without meeting their obligations under the FDCPA.

Company response to consumer: Closed with explanation