BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received your response to our complaint that we issued against NationStar Mortgage 's ' handling of our mortgage account  XXXX   XXXX  ) and request for mortgage assistance.   Just to clear up any confusion, we are still in the same position ( we did not receive any help ), but was approved for a modification that would increase our payments. This is nothing but a distasteful joke as we can not afford current payments because of the present  one income, nevertheless the payments are running behind and instead of easing the burden while our income is much lower, our payment have increased an HOA dues in the amount of {$5800.00} are due. I have contacted Nations Star  and a represented tried to explain and then transferred the call and I was transferred again.   As of  XXXX   XXXX ,   XXXX  , I call requesting to speak with a supervisor, but was told none were available, but if I was " calling about the mortgage assistance, there is nothing a supervisor could do because your escrow is short ''. In essence ; our payment increased because we are running behind, Is this an answer to helping mortgage consumers? This is only doing what mortgage companies would need consumers to do, which is pay more to catch up, there is no need for modification when it turns out this way. What more do I need to do so that we could get help with our mortgage?   Today,  XXXX   XXXX ,   XXXX   I called and spoke with  XXXX  at  XXXX   XXXX   XXXX   XXXX , who answered the call in the Bk department. Our designated person to speak with has not return my recent phone calls. I express to  XXXX , the modification was unacceptable and we could not accept the present terms, also someone keeps placing collections notes on our door to call the mortgage company although we are behi nd TWO payments, although this can add up, this collection method is demeaning and unnecessary. Lastly, the HOA dues needs to be address as quickly as possible. Our attempts to resolved these matters with Nations Star has fell on deaf hears. Nationstar 's ' violations and penalties is not without concern as we have seen this spill over and affect our ability to communicate and resolve any financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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: 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 30 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 30 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 XXXX, Experian and XXXX data 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... .. account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accoun t XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-07-27
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX  # XXXX Accoiunt name : XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : 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 2 : If also state a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable.

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 2019-07-16
Company: Ad Astra Recovery Services Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My checking account was comprised an account I do not use and I was a victim of identity fraud. Once I found out I closed the account and put a freeze on the my credit bureau. There was an online loan thru XXXX  XXXX completed without my knowledge. I contacted XXXX  XXXX  in writing and advised to not mail any correspondence to my home as I did not apply for the loan or use the funds. A few weeks ago there was a debt collection letter mailed to my ex husbands mothers residence. A home/address I have never lived at or applied for credit with. He opened the letter called the company and they discussed the terms of the loan, when the loan was taken out, that payments were being with a debit card. They gave him all of that info which in turn he calls me and wants to know why I have been taking out these types of loans. I had to get off the phone with him as I do not know anything about the debt. I am appalled that they violated my privacy. There is no reason he should know all of those details when I do not even know what is going on. This is caused alot of stress on me as I hae been dealing with the identiry fraud issue for almost 2 years now and now this is an issue as my ex husband should not have any knowledge of these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXXwe purchased a XXXX XXXX XXXX XXXX from a company called XXXX. We had auto draft payments every 2 weeks. At one point we made a early payment and it automatically canceled out the auto payment for that week. Everything was going fine with the payments until the XX/XX/XXXX payment was due, first the loan was transferred to a company called Bridgecrest. I made another early payment on XX/XX/XXXX, and thought nothing about the auto draft payment stopping, because it had always dropped in the past. But for some reason the auto pay did not drop and I was charged twice, this was devastating to our checking account, because a domino affect happened where everything that tried to clear was charged an overdraft fee, we have payed around {$600.00} in service fees. We called Bridgecrest to talk to them about why they had taken an extra payment, and told them about the service fees. At first Bridgecrest denied any wrong doing. So I reached out to our prepaid legal services to see if they could help us, The lawyer was able to get the extra payment refunded back to us, but Bridgecrest still refuses to take responsibility for the service fees, our attorney has advised us to write this letter to you since there is nothing more they can do for us without spending money to go to court which we don't have. We have been living in the negative in our bank account since this has happened, been unable to pay bills, even our van could be repossessed if we don.t come up with another {$670.00} by the middle of XX/XX/XXXX, plus pay my cousin back {$660.00} by the XX/XX/XXXX as he helped stop total repossession of our van.

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 2019-09-30
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is about PayPal 's ( Headquarters : XXXX XXXX, CA ) unfairly taking side in an online sale dispute case. 

This PayPal case ( CaseID : XXXX ) is about a transaction of one brand-new set cookware priced at {$240.00} on XXXX, we are the seller. The buyer filed a PayPal case of " Item not received '' initially and a second case of " Item not as described '' subsequently. 

We received PayPal 's notices about the cases and forced us to provide information, and we did. We have contacted PayPal several times from XXXX to XX/XX/2019 and asked PayPal to ask the Buyer to provide a little more information on ( 1 ) when did buyer received the item, ( 2 ) who delivered to him and ( 3 ) what's wrong with item. Although some of the PayPal representatives said they would ask the buyer the questions, but we have not received a single answer from PayPal. 

PayPal ruled on the case XX/XX/2019 and decides to refund the buyer based on the argument that the decision was made by the buyer 's financial institute. PayPal refuses to ask the buyer to return the item to us and refuses to provide the contact information of the buyer 's financial institute, so we can contact for the item being returned to us. 

This is a sale transaction on XXXX and financially through PayPal. We have no problem with any buyer 's refund request, but the buyer should return the item for refund, can't have both of the merchandise and the refund. We don't know why PayPal wants to take side in this case, feel unfairly treated by PayPla with all the excuses, left with loss of the item and the transaction fund. 

Thank you for reviewing the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax, failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing ( XX/XX/XXXX ) and Equifax is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report 1 date of last activity because its coming from 1 Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: VA
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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates..

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 2021-12-03
Company: PENTAGON FEDERAL CREDIT UNION
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Started an application with Pen Fed Credit Union for XXXX XXXX XXXX around XX/XX/2021. Started the application through XXXX and they pushed me to Pen Fed as my best Refinance choice. Both of these places had application processes that asked where your income comes from. On both application processes I told them about both of my jobs including a XXXX job and a XXXX XXXX job and listed my incomes for each. Never were requirements for the application to be approved given. My income etc. automatically qualified me. Pen Fed then returned with requirements that my self employed income be verifiable for XXXX years through tax returns. Where are these requirements listed and given during the application process? I provided bank statements, account transfers, ledgers for my business and my personal income and a letter from my employer. None of this was good enough. Pen Fed ran my credit when it was unnecessary. There is no reason these requirements should not automatically be provided when I input self employment income into the application.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2023-07-27
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: Was not notified of investigation status or results

Complaint:
I have enclosed a FTC Identity Theft report signed by my local police department.

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 2022-08-08
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ACCORDING TO THE NEWS LAWS FOR MEDICAL DEBT SHOULD BE DELETE FROM CREDIT REPORT AS XXXX XXXX I HAVE CONTACTED THE COMPANY SEVERAL TIMES AND THEY ARE REPORTING ON 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 explanation
Consumer complaint received 2023-09-12
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:
I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX XXXX XXXX XXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report. 

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe. 
Delete inaccurate and incomplete account information promptly. 
Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations. 

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I use to have a joint account thru XXXX  in Colorado back in 2017 and I closed at least my side of the account. I lost all contact with my ex partner and I didn't receive any notices from the bank. I never got any reports or notices that I can recall but I also thought that because I closed my account side I owed anything at all. The bank doesn't have my information and I don't have access to any accounts since 2017 but suddenly in my credit statements I've seen that the account I thought closed had pick up some kind of interest and it's been negatively impacting my credit ever since 2017 while it appears to me as no debt collection active and nothing owed both thru TransUnion or XXXX. If I would have been aware of all this behind the scenes I would have taken proper action but now the amount owed is high and all the work I've put into having a good credit score seems to be null.

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