BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) XXXX XXXX XXXX   NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Telsa Motors 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: Investigation took more than 30 days

Complaint:
Hello team, am trying am begging Tesla finance from 4 months till today to report my tesla auto loan to credit bureaus, I'll submit their emails, they always tell me that Tesla does not report accounts in good standing to any of the credit bureaus, and they tell me let the credit bureau give us a call or send us an email with your signed authorization for us to confirm your credit history to them, I contacted XXXX they said let Tesla finance send us your information, I'll attach also the XXXX conversations here. 
Am stuck in between, and I need Tesla finance to report my auto loan to the credit bureaus, so that the monthly payments will reflect my credit. 
I need your help please with this issue. 
God bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

INQUIRY 1. XXXX  XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also it states a consumer reporting agency can not furnish an account without my written instructions.

15 USc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed a closed account with XXXX, Transunion and XXXX credit bureau. 

I also contacted the card company XXXX XXXX XXXX. They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

Transunion and XXXX dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to Transunion and XXXX the last time I made a payment on the account is in XX/XX/XXXX. The account balance both Transunion and XXXX are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX est. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe Transunion and XXXX never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.

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 2023-08-27
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  to cancel my service with XXXX  because the lines was locked and I was unable to use the service on my three lines the 4th line I had services on because the phone was paid off. I called within 3 days XXXX refuse to cancel my services. I never was able to use my cell phone because they were locked my XXXX XXXX XXXX. These charges are reporting on my XXXX account as negative I want these charges removed effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
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: Account information incorrect

Complaint:
My credit report from Experian states that I have an outstanding debt of {$830.00} with XXXX which is listed as a personal loan. On XX/XX/2022, XXXX sold my loan to XXXX XXXX, XXXX whoacquired the loan, with an unpaid balance. ( Attaching confirmation of account sold to XXXX XXXX from XXXX ). This was a charged off account that was sold but is still reporting a balance from XXXX ( original creditor ) of {$830.00}. I have attempted to reach out to XXXX and Experian many times to update the balance of the loan to {$0.00} as the account was sold off and should be reporting a balance of {$0.00}. I have disputed it with Experian many times as well as XXXX. On my XX/XX/XXXX Experian report, Experian actually did fix this issue and took out the balance ( attaching XXXX account information on XXXX ), but maybe due to having multiple disputes open someone else put the balance back on my Experian report ( attaching XXXX account information on XXXX ). This started showing as a new delinquent account on my Experian report because it was re entered which dropped my score more than before when it was previously reported. I am not able to get the balance removed. I have also settled this debt with XXXX XXXX XXXX ( attaching confirmation of debt settlement ).

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 2021-10-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit 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

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 2023-05-05
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:
XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX  Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied for a Chase refinance XX/XX/XXXX. The mortgage rep. I was assigned was XXXX XXXX. We had a few conversations on XX/XX/XXXX, and XXXX had pressured me into applying for the refinance, as our rate ( with purchasing points ) was a few percentage points less than our current mortgage. XXXX was aware of how long we had been in the home, that we had rental property, and the circumstances surrounding my wife switching jobs last year. By XX/XX/XXXX, we had submitted all required documents to either XXXX or through the online portal. Then on XX/XX/XXXX, XXXX came back and said we would need to have copies of our XXXX taxes in order to move forward. At this time, I asked if the {$500.00} fee could be waived as we were completely compliant. We had a trip planned from XXXX, so the stress of losing that time weighed on us heavily. XXXX also threatened us with penalties if we did not close within a certain period of time, even though interest rates had actually fallen in this two-week window. I was worried about missing the opportunity to refinance at lower rates, and was unhappy with XXXX 's pressuring tactics ( when we acted extremely quickly ), so I contacted the current lender on our home. They offered us a loan modification, with a slightly higher interest rate, but no closing costs rolled in, so it was a better offer. On XXXX I was able to file my taxes and forward the returns to Chase. On the same day, we received the firm offer from our current lender. On XXXX ( less than 3 weeks after application ), I withdrew my application from Chase. I again requested a refund as a result of their service. My request was denied. I requested a supervisor 's email. No response. I followed up on XX/XX/XXXX, and finally received the contact information for XXXX XXXX. On XX/XX/XXXX I laid out the entire situation to XXXX, explained that we had been long-time Chase customers ( 8 credit cards and 1 car loan over 13 years ), and that all we wanted was our refund. Since we never left the underwriting  phase, Chase did not incur any costs other than the credit application. No appraisals, searches, or surveys were ordered. Again, NO RESPONSE. I followed up ( again ) on XX/XX/XXXX. XXXX responded saying another lending manager reached out to me ( I have no messages, missed calls, etc. ), and that he could not refund the fee. At this point, I would strongly recommend avoiding Chase for mortgages. Their rates may lure you in, but their service can not back them up. We withdrew our application as the terms/conditions/requirements changed on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased a XXXX XXXX XXXX that was financed through Nisan Motor Acceptance Corp. ( NMAC ). That lease comes due on XX/XX/XXXX. I spoke to three different Nissan dealers, all of whom told me that Nissan would waive up to the last four payments on my lease if I purchased a new vehicle from Nissan. As I was planning on doing just that I made the XXXX, XXXX payment on time but made no subsequent payments. 
In early XXXX, I started receiving a very high volume of calls from NMAC telling me that my auto lease payments were late. Every time I mentioned them waiving payments, they told me to go see a dealer. Finally NMAC told me that I had to go see the dealer who originally sold me the vehicle, even though they are over XXXX miles from my home, as I have recently moved. 
I complied with the instructions from NMAC and went to the dealer they specified. At that dealer, I was able to find that NMAC had reported me late for two month 's worth of auto lease payments and by doing so, NMAC had caused my FICO score to drop from from XXXX to XXXX. Because of the drop in FICO score and the lease payment lateness, Nissan would not lease me another vehicle even though my payment history over the previous 33 months was always on-time. And, unfortunately. because of Nissan 's report, no other auto lender would give me a loan or a lease. 
Their actions have been damaging, predatory and not in keeping with what the dealers told me. The two months late ( XXXX and XXXX ) have been paid and Nissan will still not approve me for a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please abide with the law in order for this matter to be resolved promptly. This is the unverified account that needs to be corrected : XXXX XXXX XXXX XXXX XXXX : {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation