BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
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:
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. 

XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 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 the report by more than seven years.

! 5 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 explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-06-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I were renting an apartment while our house was being built. When our house finished, we termed our lease, paid everything we owed in full per what the apartment management company sent, and moved out. About four months later, I received a collection notice that we did not pay a utility bill we never received. I immediately went and paid it. The management group agreed that it was their mistake but it reflected negatively on my credit report. I called the collection agency, had the management company on the phone to agree it was a mistake and to remove the collection and the collection company refused. They said there was nothing they could do. I have never once been late on a mortgage payment, credit card payment or any student loans I have owed. I have paid off all my cars, my credit cards every month and my student loans. The only debt I hold is a home mortgage and investment properties and have never been late or delinquent on a payment. However, my credit score is a sub XXXX. I used to be in the XXXX to XXXX range. That credit score has made it impossible to refinance at lower rates or get any new loans for investment properties at current rates. I have to pay higher for points. I need help getting this fixed so my credit score goes back to the 750+ range

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 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, my late husband and I opened a Renters Security Deposit Interest Bearing Saving Account i.e. Landlord Tenant Security Account in XXXX XXXX XXXX [ now Capital One Bank since XXXX ] and deposited our tenants security deposit of {$1400.00}, as required by law. 

XXXX XXXX XXXX  utilized a savings FBO [ For The Benefit Of ] account, in which the account has the tenants name, the landlord has exclusive access to the bank account and the bank is a neutral entity. We had done this previously with XXXX for our prior tenant. 

In XXXX of XXXX I was informed by Capital One that I would no longer be receiving statements as there was no activity other than interest on this account. On or about XX/XX/XXXX I went into the XXXX XXXX as a Customer Service representative informed me that this account was not in my profile. 

Sometime between XX/XX/XXXX and XX/XX/XXXX, during Capital One 's Conversion to Capital One 360, our names and address were deleted from this account along with the FBO, the address changed to the tenant 's address and the account was placed in his profile. 

Despite all of the bank documents and statements I provided them with, they deny their error and state that the money belongs to the tenant. Capital One Bank did not, does not have the authority to do that. 

Additionally, I provided them with a copy of NYS law supporting all of which I outlined in regard to the FBO. 

I have requested they reverse the error their back office created during their conversion, they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: TX
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:
There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thus company continues to report on my credit report every week which has caused serious issues and damages to my military record and credit score. This company was notified several times and still continues reporting fraudulent debt. Once I filed this complaint the threatened to destroy my credit and began reporting the fraudulent debt every week. Pls see attached proof as a direct result my credit score has dropped 69 points.

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 2023-11-29
Company: EQUIFAX, INC.
State: NJ
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 '' am writing you this letter regarding payments that were marked late by XXXX  for the following accounts on the following dates.. XXXX XXXX XXXX XXXX.. It is my understanding that p

er 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company.. Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15... You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not ve
rify the late payment on that date spacifled above.. 
Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( Equifax, XXXX & XXXX ) or all that apply and updated the account to positives and remove the late payment from my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Bendett & McHugh, P.C.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Since of XXXX we have been criminally harrassed and threaten with unlawful conversion. This fraudulent claim of an alleged debt is absurd since The us government is responsible for all public debt. This private property has no association with This fraudulent debt which these individuals have willingly and knowingly conspiring to violate our Unalienable rights of Freedom of liberty 's while acting under color of law. We have spoken to this debt collectors assistant XXXX on XX/XX/XXXX and informed Them in good faith to CEASE AND DESIST IMMEDIATELY ALL UNLAWFUL Activities upon our private estate. This property has been discharged and controlled by a Foreign trust which these individuals are willfully engaged in Criminal Trespassing AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Approximately XXXX, 2015 paperwork was filed with NationStar Mortgage for a loan modification. NationStar informed the modification was not received so the paperwork was sent again. Again it was apparently not received. 
XXXX of 2015 I XXXX XXXX of XXXX XXXX was hired to sell the property prior to Foreclosure Auction. XXXX investors discussed an offer of {$100000.00}. An offer was then submitted and accepted for {$110000.00}. According to the original payoff information provided by NationStar that would cover the XXXX & XXXX mortgage. XXXX XXXX, 2015, current payoff information was obtained by XXXX XXXX as closing on the sale was set for XXXX XXXX, 2015. At this time it was discovered that there was not enough funds to cover the sale. A short sale process was initiated. Information was sent to NationStar a XXXX time and also uploaded through the " XXXX XXXX ''. This was approximately XXXX XXXX, 2015. 
XXXX XXXX, 2015 Notice was given through XXXX that the short sale request on the first mortgage was denied and to continue working on the XXXX mortgage short sale. This has been an ongoing process. 
Property is set for Foreclosure Auction XXXX XXXX, 2015 and NationStar is neglecting to proceed in completing the short sale request to complete the sale and remove the auction Status. This is email sent today by XXXX XXXX to Asset Manager, Supervisor and " ManagerNSProcessing '' through XXXX. " My client and I would like to know who to file a complaint with regarding these loans and the status. XXXX XXXX has sent in paperwork twice for a loan modification which NationStar told her were not in the system. XXXX XXXX I began the process of short sale on the property and we have been in constant communication since. XXXX XXXX is our XXXX XXXX, he is who I have been working with. Last week I asked about progress on the loan, XXXX XXXX stated he would send a request for the XXXX, it was not on file yet. I just got of the phone with Rep who says request was sent yesterday! My client spoke to someone this morning referring her to a XXXX XXXX and was informed we are handling the process incorrectly and I should have spoken to a manager and provided XXXX and much more. All of this has been provided through XXXX and much more. Foreclosure auction is set for XXXX XXXX for at {$75000.00}, we have an offer and buyers waiting to complete sale at {$110000.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I initially submitted my application for the SAVE Income Driven Repayment plan to the department of education on XX/XX/2023. I submitted a copy of that application to Nelnet on XX/XX/2023 and received an email confirmation that it was received. The email stated " If we havent finished processing your application in 10 days, we will send a follow-up email to let you know ''. I received another email on XX/XX/2023 that the application in in a processing queue and this was the last update I received. I attempted to call Nelnet on XX/XX/XXXX and their phone system stated the wait time would be 30 minutes. I was on hold for an hour, nobody answered and I couldn't remain on hold. I called Nelnet again on XX/XX/XXXX and the wait time was an estimated 30 minutes. I waited on hold for 3 hours until a rep took my call. The rep was unable to give me any details on the status of the application and when it would be processed. The rep could not confirm that anybody would give me a call back or send me any kind of email update. There was a moment where the rep suggested that I upload pay stubs to their system but did not confirm that this would be a required step for the application. This is my typical experience with Nelnet. Their reps are never able to give you a strait answer and sound like they just started the job in the past week. They have cut off direct email communication from their customers and instead you have to fill out a form in the hopes that someone will contact you and the is zero confidence that they will. 

Their system states that I have an upcoming student loan payment due on XX/XX/XXXX. I have fulfilled my obligation in turning on my application. Now it's time for Nelnet to fulfill their own obligations and is they can't, they need to be dissolved and have my transfer my balance to a different servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I cancel my membership an TransUnion credit report agency toke funds from my account illegally transaction i didn't request my account supposed been cancelled requested my money be returned sooner an possible

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 2015-12-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar is foreclosing on my home on XXXX/XXXX/XXXX despite the fact that I originally requested assistance from XXXX XXXX XXXX who serviced my 1st and 2nd mortgage. There has been numerous owners of my loan as well as assignments of which I was never given notice, furthermore, the Assignment of Deed of Trust executed on XXXX XXXX, XXXX, shows XXXX as Nominee for XXXX Lender transferring/assigning to XXXX Bank XXXX, the Holders of the XXXX XXXX XXXX Securities, with the Trustee being XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, a Corporate Assignment of Deed of Trust was executed for value received from XXXX XXXX as Trustee for XXXX XXXX which assigned and transferred to Nationstar Mortgage. On XXXX XXXX, XXXX a Substitution of Trustee was executed from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX which I received no notice, in addition less than one month a Notice of Default was filed on XXXX/XXXX/XXXX, how could XXXX Nominee for XXXX Lender substitute the Trustee when the loans was transferred to Nationstar prior? XXXX XXXX XXXX who serviced my loan after the fall of XXXX Lender wherein, my loan number was XXXX collected my mortgage payments for years however, I do n't see them on any transfers or assignments, and this point, I feel I have been shuffled around with no one offering any mortgage assistance. My home is currently worth {$600000.00} maybe? I have requested numerous times a principal reduction from XXXX XXXX I currently owe, however, Nationstar will foreclose the property with less money rather than assist me in keeping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Bread Financial Holdings, 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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I never authorized any of these credit inquiries on my 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 explanation
Consumer complaint received 2015-12-02
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was havng problems and they gaveme a modification. I made the 3rd test payment on themodification and they then said never mind we were kidding your not getting a modification. I 've gone crazy trying to catch up and they have chanrged me almost {$800.00} in fees that I have no idea what they are. it seems for every 2 payments they are taking one payment in fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: PROVIDENT FUNDING ASSOCIATES
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hidden fee is charge for additional loan payment being rejected. 

A fee of {$20.00} charged by Provident Funding Mortgage due to decline of bank transfer of additional loan payment. 

After further investigation with the bank, it decline by wrong account number. The account number type in for the transfer which I used in Teller often, but online transfer account number was different. 

Provident Funding Mortgage charged {$20.00} fee based on section 14 of the Deed of Trust titled " Loan Charges '' that indicate security instrument related.

The account setup system in Provident Funding does not provide a way to check bank account setup is good until a transfer is made. However, if the payment got rejected, it will charged us a fee, which not mentioned clearly in agreement too. 

If I knew this upfront, I will not make additional loan payment and caused me a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation