BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: William C. Grossman Law, PLLC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by XXXX bank. 

I called XXXX  today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have spoken to several representatives for the company to remove the incorrect information. The account is reporting on credit profile as inaccurate information and hurting my score. This account is also preventing me from getting approved for items.

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 2018-03-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mr. Cooper XXXX Nationstar Mortgage XXXX is incorrectly reporting my current mortgage loan with them as discharged in my chapter XXXX bankruptcy. The mortgage was modified and the account is open and in good standing per the modification agreement with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CRESCO CAPITAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had a number of issues dealing with XXXX  XXXX in repaying student loans. The problems began when my balance was transferred from my original lender, XXXX, to XXXX : I was not provided notice of this transfer until after the fact, and two of my monthly payments went to the original lender, which was very difficult to get corrected. 

More importantly, once it came time to recertify for the IDR, which I was enrolled in through XXXX, I encountered one issue after another with XXXX. The deadline had passed due to issues on XXXX 's end, being unable to process requests due to high volume at that time. When the recertification request finally was processed, it was denied ; the reason stated on the website was that certain documentation was missing. I submitted the documentation and the request was denied again. 

In attempting to resolve these issues, I had multiple calls with XXXX reps, all of whom were unhelpful. My IDR request was finally " approved, '' but with an increased monthly payment ( from {$86.00} to {$320.00} ), even though my total household income and dependent information hadn't changed between XXXX and XXXX. 

This issue necessitated additional calls to XXXX reps ; again, none of which were helpful, and ultimately I was told that XXXX had no way of determining why my payments had increased so drastically. According to XXXX, because the initial payment amount of {$86.00} was set up through XXXX, XXXX has no record of the original IDR calculation and no way of obtaining it. This left me with no choice but to request forbearance for the maximum time period, which has now passed and left me with an absurdly-increased monthly bill that I can not afford.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Elan Credit Union calls me everyday about a XXXX debt on a closed Credit card that was used for fraud under my name.

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 2021-02-23
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is regarding two companies known as Sequium Asset Solutions and XXXX XXXX XXXX. On XX/XX/XXXX I initially complained to the CFPB about XXXX XXXX XXXX placing the false account below on my credit file, When confronted by the CFPB, XXXX XXXX XXXX initially took the false account off my credit files, but they must have sold the false account to another company, Sequium Asset Solutions. This new company added {$1.00} to the balance of the false account and now put it again on my Credit files on XX/XX/XXXX. This is not my account and i will be pursing legal remedies against the above mentioned companies if they do delete this false account from my credit files and cease and desist from these activity in the future. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX XXXX and XXXX credit files. This is not my account and i want it removed from my XXXX, XXXX and XXXX  Credit files permanently. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
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 XXXX XXXX, 2020, WAKEFIELD AND ASSOCIATES ( Opened XXXX. XXXX, 2020 ) add a derogatory mark on my credit reports. WAKEFIELD AND ASSOCIATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a chapter XXXX bankruptcy in XXXX, which I did not include an reaffirmation for my mortgage in the bankruptcy agreement. My bankruptcy has been closed. I've been paying my mortgage over the years, but the mortgage company will not allow my mortgage payment status to report on my credit report. The mortgage company has switched hands four different times since I purchased the home in XXXX. The mortgage company I have now is telling me they need a copy of the affirmation agreement from my chapter XXXX bankruptcy. I'm unable to provide this information because I did not include a reaffirmation agreement with the bankruptcy. My mortgage is the biggest asset I have and it not reporting on my credit report has affected my credit tremendously. I'm unable to obtain credit or purchase things. Please help me. I think this is so unfair. I even spoke with my bankruptcy Lawyer who assisted with my Bankruptcy in XXXX and she suggested I contact CFPB to file this complaint. Please please help me. This mortgage company has been accepting my payments faithfully for many many years, but won't allow my payment to appear on my credit report. I think this is an injustice and something needs to be done about this as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Today, XX/XX/2020 my lender informed me in order to keep the rate of 2.875 % that was disclosed on my LE I would need to pay {$490.00}. I attempted to lock my rate at the begining and the lender advised against it. The reasoning being, to save me money. I feel deceived. The opt in fee to keep the rate should have been disclosed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My current mortgage holder Nationstar d.b.a. Mr. Cooper posted a late payment over 30 days to my credit report for XX/XX/XXXX. I spoke with an account supervisor from Nationstar d.b.a. Mr. Cooper named XXXX and she assured me that while my XX/XX/XXXX payment did post as late, it was not over 30 days late and should not have been posted to my credit report. This is the second time that this company has posted false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
on XX/XX/2020 an inquiry by capital one showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call XXXX  and they can fix it i did that and to no avail they had me call them back and capital one cant fix it because they said its XXXX  error so i went back and forth several times and was told by XXXX  that i need to file with ftc so here i am, i have had a capital one card for years and dont need another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
Hello, My name is XXXX XXXX and I am writing this email to file a complaint with LVNV. I have no dealings nor do I owe any money to this company! This contract which was under " XXXX XXXX '' was cancelled and removed offof my credit report. Once the name was changed whoever is responsible attempted to add this back on my credit report, but I currently have NO CONTRACT with them. Under my XXXX  report there is no account with them shown on my report at all, but XXXX continues to give me a hard time with helping me remove this item off of my report!

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I disput
e XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-24
Company: EQUIFAX, INC.
State: MI
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:
it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX Cell # is XXXX Name : XXXX XXXX I am going through a difficult time where I have been out of work for over 3 months and expectthis to be like this for many months, if not years.Since XXXX of this year, but COVID-19 just made it even worse. My city is on stay at home orders indefinitely. 
I have contacted this bank in 3 different occasions. On the first time, someone ( with an attitude of course ) did the forbearanceplan. Then I called today and spoketo 2 different agents who are extremely cold, insensitive and extremely unhelpful. This goes very well with the complaints that many other customers have had on XXXX  and with the CFPB. 
See the problem is not the information, is their attitudes, they are obviously not responding to people 's concern, customer service is something that they do not understand. Regardless of what notes they wrote, they know very well how they behave. 

This bank 's complaints have a long history of negative reviews, litigations and complaints with XXXX  or CFPB. Given my case and how the agents act over the phone, it makes sense. They are rude and unhelpful and want us customers to vow to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX . I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I  need these miscellaneous accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The CFPB closed out complaint ID XXXX. We want to know where Nationstar Mortgage got the unendorsed copy of the note that XXXX XXXX XXXX a/k/a Mr. Cooper uploaded to the CFPB web site in regards to the complaint number stated above. Nationstar apparently has an unendorsed copy of the note, as well as a fraudulently endorsed copy of the note. So, how does XXXX XXXX XXXX have both? This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XXXX XX/XX/2020 from USAA stating that my two checking accounts and savings account would be closed. I  received another letter dated XXXX XXXX saying that those accounts would be closed unless I provided information to them. I called on XXXX XX/XX/2020 and submitted the required information. The customer service rep assured me multiple times that my accounts would now remain open. XXXX XX/XX/2020 USAA closed my two checking and one savings account. They did not have a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
nationstar /mr copper, is attempting to foreclose on my home with a fraudulent that contains robo signers. I have asked that the foreclosure be stopand my QWR be answer with the debt validation

Company response to consumer: Closed with explanation