BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/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 2023-07-13
Company: Experian Information Solutions 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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-05-16
Company: NEW YORK COMMUNITY BANCORP INC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX changed their website. When I accessed it, it changed my mortgage payment from bi-monthly to monthly. I wanted to go back to bi-monthly which I HAVE DONE FOR YEARS. I called the company and they told me to cancel the monthly payment and then click bi-monthly. When I did so, they had my bi-monthly date for two days before the date I had previously had scheduled. Now it's on a Wednesday and not a Friday WHEN I GET PAID AND IT'S BEEN FRIDAY FOR YEARS. They are saying it's my fault for changing it on the website and will not change it back.

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 2022-10-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has been calling me to collect a debt this was a debt from about five years ago but I reported the card stolen at that time. One of the very first times they called they said that it was verified that it was not my debt to pay, so they sent papers to the house I used to live in another state I never got those papers. I've been disputing the issue for about 3 months with the credit bureau. They recently called and said they verified everything and that all I need to fax them is a copy of a fraud report so I can have evidence on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've received multiple calls from a slue of different numbers and have already asked this company to cease and desist all contact with me. They are trying to collect an alleged debt that is already past the statute of limitations and doesn't even show up on my credit report. I've already been in contact with the supposed original creditor, XXXX XXXX, regarding this alleged debt and they have no record of it on file. I have no intent to pay this alleged debt and am in contact with an attorney to address this matter further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MI
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. XXXX  Lending Services # XXXX XXXX XXXX Bank # XXXX First XXXX Bank # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX Bank # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2016-11-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
To Whom This May Concern, I am a resident of California and a XXXX American Veteran. I am requesting your urgent assistance with a problem I am experiencing with the U.S Department of Housing and Urban Development ( HUD ). I currently have an FHA loan on my home. Due to personal hardship following a job loss, I requested a payment modification with my mortgage company ( Nationstar ). I was granted the modification. I soon decided the only long term option I had was to sell my home. I put my house on the market and soon entered into Escrow with a buyer. During the title search I learned that there was a {$25000.00} lien or second mortgage put on my home by HUD which was part of the payment modification that I knew nothing about. Nationstar doesnt have a record of any of this either. Now I am waiting on the state ( HUD ) to provide some type of information so that I may proceed with the sale of my home. HUD has provided zero proof or information regarding this lien and am just getting the runaround when contacting them. I have been waiting for 2 months now, and time is not on my side. This is going to cost me my home if the state does n't provide something so I can sell the house with a clean title, payoff my mortgage company and attempt to rebuild my life. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for your help in getting this cleared up or at least some explanation from HUD. Thank you for your time and assistance in this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I paid my monthly mortgage payment at the XXXX, Illinois XXXX XXXX Fifth Third Bank. I received notification in XXXX that my XXXX payment was considered missing. I proved to Fifth Third by sharing copies of my cancelled check that was processed by them that the XXXX payment was indeed made on time. In XX/XX/XXXX, I received an official letter from Fifth Third that my payment had been found and applied. I was also assured that they would reverse the reporting to the credit card bureau. In XXXX of XXXX, I was again informed that the XX/XX/XXXX payment has not been applied. When I went in person to the XXXX branch in XXXX after numerous attempts by me to resolve the issue over the phone, I was also informed that my XX/XX/XXXX payment had not been applied. Again, I proved via cancelled check that Fifth Third had received their payment. After MANY MONTHS of trying to resolve the problem, I was informed that Fifth Third had applied my payment to a Credit card account that has been closed for approximately seven years. 

During this process, Fifth Third has reported my account to the credit card bureau that I am delinquent on two payments on a monthly basis. They have also reported a major deficiency to my credit without a reason given. My credit score has been singly destroyed by Fifth Thirds mistakes and unwillingness to help a fifteen year customer resolve the mistakes that the bank has admitted to making. I have attempted via phone, email, personal visits to the bank to resolve these issues to no avail. Fifth Third has not shown interest in trying to help truly solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been contacting LoanCare regarding our mortgage for 12 months now trying to get back on schedule to resume our payments. We have sent in the required paperwork over and over again, which they confirm they are receiving. Our payments were supposed to be set up to be resumed back in XX/XX/2020. We have called and spoken with reps at least 60 times since XX/XX/2020 and we are still unable to get this resolved with them. Meanwhile, they call constantly and send threatening letters stating our payments are late and we need to discuss a resolution with them for the missed payments! We are at the point now that we have been unable to pay on our mortgage for 11 months because they can't seem to figure out what they need to do.

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 2018-11-25
Company: TMX Finance LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off car in total never received title in mail after I called about a year for it then busniess disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act Installment Account XXXXXXXX XXXX Account Number XXXX, Credit Account XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section XXXX : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Sold ; was Charged-offXXXX Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac USA simply refuses to post our escrow shortage payment in full check to escrow followed by 2 monthly payments since - They've applied them to principle only causing fee 's to be charged - Our first message started on XX/XX/2019 with many  messages and phone calls since up to now ( XX/XX/2019). 

This is the latest message/request we made to PennyMac USA : Please remove the fees of {$79.00} from our latest statement (XX/XX/XXXX ) Please note - ALL past payments have been marked ( in memo ) where to have been applied. 

Please post our XX/XX/2019 check for {$1800.00} to XX/XX/2019 Payment - The XX/XX/2019 payment of {$1600.00} was marked to be applied to XX/XX/XXXX Escrow Escrow Analysis ( option B ) which paid the Escrow shortage in full ( please correct the payment and post it to Escrow ). 

The XX/XX/2019 payment of {$1800.00} payment was for XX/XX/2019 Payment ( {$1800.00} ) based upon XX/XX/2019 Escrow Analysis and fact we did option B on the XX/XX/2019 Escrow Analysis - paid shortage in full ) - Please NOTE, our XX/XX/XXXXpayment ( XX/XX/2019 payment of {$1800.00} has NOT been posted correct either, please do correct this ). 

Our monthly payments should be only {$1800.00} as we PAID IN FULL our escrow shortage XX/XX/2019 with the payment of {$1600.00} - Yet our payment still shows as $ XXXXish with both payments ( XX/XX/XXXX and XX/XX/XXXX payments ) posted wrong. 

Please I've been asking for over a month now, I've made several phone calls, I've taken a couple of collection calls now as well - PLEASE correct how our payments have posted - There is no way making these simple corrections take months ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2016-11-11
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last month the fly-by-night outfit ( Nationstar ) that bought my mortgage tried to charge me late payments dating back a over a year to XX/XX/XXXX, which of course would be illegal. However, since Nationstar acquired my mortgage my payment has gone up and down considerably without notice, so I looked at my statements. I 've owned my house since XX/XX/XXXX, and the purchase price at that time was {$23000.00} plus closing costs and my current mortgage statement with Nationstar states that I still owe more than {$20000.00} on my house -even though there were times ( since XX/XX/XXXX ) that I made double mortgage payments on the principal loan. I would like the CFPB to investigate the entire life of my mortgage loan, looking for irregularities of which I believe there are several. My Nationstar Mortgage reflects nothing from my previous loan/mortgage with XXXX XXXX XXXX so it appears as though my mortgage began in XX/XX/XXXX instead of XX/XX/XXXX when I bought my house. Nationstar wants to charge me {$15.00} because they updated their website ; they also have {$5.00} and {$10.00} 'fees ' added to my account indiscriminately from XX/XX/XXXX onward so it appears that I never paid my mortgage on time. They also want to charge me {$25.00} to see a payoff amount or the entire terms of my mortgage. This was never the case when XXXX XXXX XXXX held my mortgage, I could see my entire loan at any time. I 've asked Nationstar about all of this but they refused to send me any information, is there anything you can do to help me? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported not accurate. 

15 U.S.X 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-08-22
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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