BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint relates to a transfer of loan servicing from XXXX to XXXX XXXX/LoanCare or whatever their name actually is? The Loan number is XXXX, collateral XXXX XXXX XXXX XXXX XXXX, Ca, XXXX. During the transition negligence was obvious in who, where to make a payment.? I made the same {$560.00} Monthly payments to XXXX and each and every check was cashed. Finally I began making my payments to XXXX XXXX? Then Loan care ( extreme vagueness ), The comedy of errors a misapplications of funds including ( I make all mortgage payments by a third party -proof of service by mail and certified mail ) even with that timely payments are applied in the late on or after the XXXX so they can make profits of penalties.. The instant claim involved the simple fact that that each and every month for the last year and the preceding years I have made all payments for {$560.00} on time to XXXX and now Loan Care, copies of checks sent to show the application of each month to the appropriate check cashed by XXXX, XXXX  XXXX and Loan Care and their inability to find proof of all payments made is tatamount to conduct that serves no useful purpose but to harass and annoy. They are debt collectors first and customer service second, unable to resolve conflict that most reasonable people would discern easily.

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: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. We have sent the updated information to the agencies for their records. The account should show : The date of the first delinquency as XX/XX/XXXX, and the payment history for the months of XX/XX/XXXX and XX/XX/XXXX on your XXXX report Removed the status Consumer Disputes, Reinvestigation in Progress from your Equifax report Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the  contact information for the four credit reporting agencies : Equifax XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX equifax.com XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX  I have sent in dispute to your office via US MAIl CPBP and the Minnesota attorney generals office about why the required noticed of dispute was never place on the two XXXX tradelines  XXXX tell me that your office removed The required information why would your office do unlawfully removing of a consumer credit report if I didnt ask you to remove it or the original credit went ahead and removed it. I didnt ask your office to remove and XXXX  claim they are reporting 100 % accurate which is a XXXX XXXX lie this is FDCPA violation as well as FCRA please please send me when the required noticed of dispute was 1st placed on the tradeline who and why the request for removal was remove if XXXX claim they added the required noticed so I go back to old report to compare if in fact the information was added. I called XXXX  office to do a phone dispute they opened up a new investigation about this but I want factual proof as to what date the items was added or removed for both XXXX XXXX XXXX please delete both tradeline for violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section section : it also states a consumer reporting agency can not furnish a account without my written instructions. AccountsXXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Kikoff Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
I thought Kikoff was not a account I opened and so I filed dispute but it is my account only it was removed from my account I need it put back on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-09-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I closed all my accounts with my former bank in XXXX of this year. When doing so I understood that I could still have access to my statements online if needed for 2 years having been enrolled in the bank 's paperless statements I had been receiving them online only. This week I had need to view my statement to find a specific transaction so I logged into online banking only to discover that there were no accounts showing and no way to view my statements. I contacted the bank via their chat app and the agent who assisted me told me my only option was to go to a branch where they could print a statement for me at a cost of {$5.00}. I find this to be unfair as I had enrolled in the bank 's promoted paperless statement program and was more than willing to serve myself online where I had previously had access to my statements at no charge. Also in doing my own research I understand that the bank has an obligation to provide me with a statement if there were electronic transactions in the statement cycle and there were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX sold my personal information to a company in Texas without my authorization or consent. I was not properly notified adverse actions would be taken against me for reporting a fraud matter to FTC pertaining XXXX business practices. XXXX retaliated upon closing of complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2016-04-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a fraudulent flood insurance policy taken out on behalf of my mortgage company ( Nation Star ) and rolled into my escrow account. On numerous occasions proof of new zone/mapping areas where sent to highlight and prove that flood insurance was not needed. I live on the XXXX floor of my building where FLOODING would never occur. 
My mortgage payment ballooned from {$1600.00} to {$2200.00} from one month to the next. 
As the policy was the most exuberant one, it was {$2400.00} for the policy - my XXXX only cost XXXX. 
I was late in paying my XX/XX/XXXX bill and had a foreclosure package delivered to me the XXXX week of XXXX. My credit score has gone down XXXX points for this horrific and erroneous mistake. The Florida Supreme Court has filed a class action law suit against them, as they defrauded XXXX customers out of their homes. Nation Star also owns the insurance company XXXX XXXX in which the fraudulent insurance policies where processed. In addition to the fraud, I was denied a refinance to assist me in my debt and change lending companies. 
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ERC
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To fill a gap in the chain of title for my property from XXXX I was given copies of original paperwork, payment information, applications and anything but what I asked for, a continuous, unbroken chain of title as proof of standing to foreclose. After numerous formal requests by QWR 's XXXX transferred servicing to Nationstar.that continued the barrage of useless paperwork. I was sent a Corporate Transfer of Trust deed that XXXX sent me that is a fraudulent, fictional, forged document that purports to fill the gap between XXXX directly to the Pooling and Servicing Agreement of XXXX for XXXX trust.There were many other transfers. I have proof that XXXX shredded the original Note that alone nullifies any authority to foreclose. The transfer occurred 6 years after the XXXX XXXX, 2004 closing 3 yrs.after XXXX closed, and 3 yrs. past the Notice of Default. 
Was the investor paid by insurance or lawsuits? Neither of us have clear title so we need to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: U.S. BANCORP
State: MN
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 reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, MECHANICS BANK, on XXXX. XXXX, 2019, METROPOLITAN XXXX and on XXXX. XXXX, 2019, US BANK XXXX XXXX XXXX XXXX the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
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 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 2020-11-28
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at WESTLAKE FINANCIAL SERVICE . 

This letter is in reference to a NO DATA PAYMENT with the account number XXXX. XX/XX/2020 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the no data payments I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a no data payment on my credit file. I am hoping that your organization will consider removing this NO DATA PAYMENT from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, 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 2020-12-02
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 SENT IN DOCUMENTS PROVING TRANSUNION ARE REPORTING INACCURATE ACCOUNTS TO MY CREDIT PROFILE WHICH IS AN FCRA VIOLATION AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY!!!!!! THEY HAVE TOTALLY IGNORED ME WHICH IN INJUSTICE WHICH LEAD ME TO SENDING IN AN COMPLAINT.

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 2016-04-02
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was issued a loan modification ( not under a government plan ) by Nationstar Mortgage LLC. This was, and is a jumbo loan. The NationstarModification did not help lower my interest rate, which was 6 %, and still is to this day. I guess the modification was that they allowed a 2 year period as " interest only '' payments. In XXXX XXXX I began looking into a refinance to lower my rates to a competitive rate. I was quickly advised that my mortgage was listed as " in Dispute '' by Nationstar. I was also told that Nationstar had reported 5 late payments of more than 90 days. I immediately contacted Nationstar to dispute the late payments, as I pay electronically and have complete records of every payment. They told me they could not tell me the dates, as I was not the correct point of contact for my loan. They told me the law firm that represented my at closing was. I had that firm ( the lawyer contact had left that firm 198 months prior ) to write a letter confirming their dismissal as the point of contact. Along with that letter I included a letter from Nationstar to me advising that the first date of payment would be XXXX XXXX, XXXX. It turns out every reprted late payment was prior to this dateof my first payment. In fact, they applied my XX/XX/XXXX payment to XX/XX/XXXX, even though my firdfirst payment was XXXX XXXX, XXXX. Nationstar reports that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments were all late 90 days, even though they advised me in writing that the first payment was XXXX XXXX, XXXX. I have tried repeatedly to get Nationstar to acknowledge this in writing by email and fax, and I have tried to get them to engage me to modify or re-issue a new or modified loan, because no other lender will touch this because it is my mortgage company who is reporting my incorrect payment history, This raises a huge red flag to anyone willing to help me try to refinance to a competitive rate, and significantly lowers my credit score, both of which make it impossible to refinance. Nationstar has completely avoided dealing with me and will not return my calls. This is just part of my attempt to get them to correct their errors. If I would refinance to a competitive rate my payments would be close to XXXX/month less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, my wallet, along with two credit cards from Chase were stolen out of my vehicle. When I found out the next morning due to receiving fraud texts on my phone, I immediately called Chase. At first, I thought I was still in possession of the cards, but after the call, I realized it was stolen out of my car. I reported this to Chase and they investigated.

Chase eventually said " I benefited from this transaction '' even though I did not make these charges. I provided supporting documents ( paperwork showing I replaced my drivers license ) and Chase again concluded I'm responsible for the charges.

The card was a Visa which offers {$0.00} liability on unauthorized charges. Not to mention, federal law states that the maximum I can be liable for is {$50.00}. 

XXXX XXXX {$510.00} XXXX XXXX {$110.00} XXXXXXXX XXXX XXXXXXXX {$29.00} XXXX  XXXX {$720.00} Total : {$1300.00} This exceeds the advertised {$0.00} liability on unauthorized charges. 
Chase refuses to accept my claim and has rebilled my account. I've been forced to pay for charges I did not male.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is the worst mortgage company out there. Incompetent customer service have managed to XXXX my account up for 4 months. Can not accomplish a simple task and I typically have trouble understanding them. Ridiculous! I am refinancing with my credit union just so that I do n't have to deal with them. Nothing good to say about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Aspire credit card has increased my " account maintenance fee '' to {$10.00} per month without informing me. They said they emailed me updated terms. I have not received any updated terms via email or mail. Unacceptable.

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