BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 Navy FCU, has violated my rights. 

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

15 USC 1681 Section 604 A Section2 : It also 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 plan as late for any purpose.

Dates : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-03
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$15000.00}

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 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 2018-05-22
Company: EQUIFAX, INC.
State: MD
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: Billing dispute for services

Complaint:
if am correct it was XX/XX/2016 I open an account with XXXX XXXX phone company I had phone lines after about 6 months XXXX XXXX called that am owing XXXX XXXX over six thousand dollars then I ask them how they said because I be using my phone to call XXXX, then, I told them this a lie from XXXX, I call XXXX using a calling card same thing I was doing with my XXXX phone which I still do till tomorrow and I have never have any problem with XXXX, then I ask them do I have a long distance on my phone they said no, then I ask them again did I ask for a long distance on my phone they said no, then I ask how come XXXX XXXX said am calling XXXX on my phone, then they came with another fraud saying that they will settle everything for {$2700.00} and I told them that is a lie from the pit of XXXX, then I did my researched on line I found out that this is a legal fraud XXXX XXXX has been doing with people lives. Sometime last year I received a letter from Equifax  saying someone from XXXX XXXX access my account with them, then late last year FBI from XXXX  wrote me that someone has been arrested using my identity and also I have a letter from XXXX dmv saying my car is in impound over there but since I have been in this Country I do not even know where is XXXX and now XXXX XXXX sent my information to a credit collection agency call XXXX my life is miserable because of XXXX XXXX fraud, pls help me all I need is justice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
AllFollowing up with my previous complaints. I am reiterating the issues I have encountered with Wells Fargo since XXXX. 

Misleading Loan Advice In XXXX, as a twenty-something first-time home buyer with a credit score over XXXX, Wells Fargo advised me to take a balloon mortgage as a second mortgage. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. As time went on, they said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages and then they started saying that they no longer offer them and were unable to help me. I even had onXXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I recently learned that this loan type is SO risky, that Wells Fargo stopped issuing in XXXX with the Dodd-Frank Act. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} Administrative Errors Administrative errors seem to be a common practice within Wells Fargo. I requested an amortization schedule ( TWICE ) in XXXX which showed my mortgage as a conventional loan. The first amortization schedule, they entered the wrong date for the simple interest loan and then they resent the amortization schedule with the correct date XX/XX/XXXX ( SEE ATTACHMENTS ). BOTH times they sent the amortization schedule as a simple interest loan! 
After a while, I noticed my balance was not going down like the amortization schedule showed and I contacted Wells Fargo to inquire. It was only then that they said that the amortization schedule was an error and they made a mistake ( AGAIN ). 
In XXXX, Wells Fargo sent me a check for {$270.00} to compensate for their multiple administrative errors. {$270.00} does not compensate for the multiple administrative errors Wells Fargo has made causing a damaging financial impact on my life.

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 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My husband and I purchased a truck and camper trailer from XXXX XXXX XXXX XXXX in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called XXXX XXXX XXXX and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with XXXX XXXX XXXX at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with TransUnion. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to XXXX XXXX XXXX again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with XXXX XXXX XXXX, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX  XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by XXXX XXXX XXXX they are a buy here pay here auto sales. XXXX XXXX and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with TransUnion on XX/XX/XXXX so the issues could be disputed once again. I called XXXX XXXX XXXX on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.

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 2019-10-27
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
Specialized Loan Servicing is continuing to report my mortgage account as late with all 3 credit bureaus when it was completely paid in XX/XX/XXXX and a satisfaction of mortgage was received by SLS in XX/XX/XXXX. See attached documents.

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 2019-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I called Capital One to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and XXXX that an item on my report status has changed. Capital One had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: LA
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:
This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company.

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was solicited by NationStar Mortgage to possibly reduce my rate by refinancing my current mortgage with them. I responded to their offer and was contacted by XXXX XXXX from Nationstar Mortgage XXXX Greenlight Loans XXXX. A rate of 3.75 % and the fees of {$750.00} for the loan were quoted verbally. I agreed to the rate and the fees, answered personal questions and consented to having my credit rating verified. I started to assemble necessary documents and was then informed by XXXX XXXX that the fees were now {$950.00}. I have been subject to bait and switch tactics before and want to alert everyone to NationStar 's predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

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 2020-11-29
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent Contract Callers Inc a letter requesting validation of a debt they claim I owe. I asked for a contract bearing my signature agreeing to pay the debt. Contract Callers Inc sent me a letter and statements showing no proof or contract with my signature agreeing to pay the debt back. If they was able to get a statement from the original creditor than they should be able to get a contract as well. Therefore this debt in not valid and must be removed imminently. I offer to pay for deletion if they were able to prove this debt was mine and heard no response from Contract Callers Inc. please delete this account as soon as 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 2023-05-30
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ
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:
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XX/XX/2021, XXXX XXXX XXXX XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Shellpoint Partners, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, Shellpoint Mortgages Servicing, has violated my rights. 

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

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home with Taylor Morrison and closed on XX/XX/XXXX and used their financing company, Taylor Morrison Home Funding. We are in the process of refinancing with another company to capitalize on a lower interest rate and the new company ( XXXX XXXX XXXX XXXX XXXX ) have been in contact with Taylor Morrison to obtain a payoff amount and Taylor Morrison is refusing to give the payoff amount to us or the other company in order to finalize the refinance loan. They are stating they sold the mortgage to another company, however that company ( XXXX ) is not servicing the loan until XX/XX/XXXX. Taylor Morrison home funding is the current servicer of our loan and they refuse to give us Or the other companies the payoff amount. 

The request was made for a payoff in the middle from both XXXX and XXXX and after multiple calls and emails they still refuse to give the amount or documentation needed to close on our refinance loan which they are servicing until XX/XX/XXXX. We only have a few days before our rate lock is up and they ( Taylor Morrison & XXXX ) are not responding with the information XXXX needs to approve our refinance loan. 

Due to their ( Taylor Morrison and XXXX ) questionable businesses practices they are not allowing my husband and I to obtain better financing for our mortgage which will be a huge financial impact after a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationstar Mortgage have alleged they were transferred servicing of this loan in XX/XX/XXXX. I  have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued Nationstar Mortgage referencing this alleged transferred loan to collect. Nationstar Mortgage will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from Nationstar to substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Nelnet, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation