BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The attached document is why Nationstar Mortgage will not investigate this matter. I would like the cfpb to look at the attached documents and also send it to Nationstar mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
XX/XX/XXXX To whom it may concern, I am writing this letter due to numerous disputes with Portfolio Recovery in regards to my closed XXXX XXXX XXXX account. 
On XX/XX/XXXX I contacted XXXX customer service after finding out that during my 10 months of XXXX  my XXXXXXXX XXXX XXXX had been compromised and my account was closed with a balance of {$450.00}. I spoke with a representative by the name of XXXX XXXX, who refunded the {$450.00} to my XXXX XXXX XXXX. I have emails from XXXX over the course of three days from XX/XX/XXXX to XX/XX/XXXX. Portfolio Recovery is insisting that I pay the {$450.00} even though the charges are no longer valid. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To whom it may concern I am writing this complaint today because of the way transunion is conducting their investigation and their insulting comments stating that it might not be me who is submitting the request to dispute items on my account which it was very much me who submitted this request and just because I know what I am talking about and writing with facts and using the USC and the FDCPA to dispute their inaccuracies. They had 30 days to submit me wit the proof and documents I requested with the method of verification and not a computer generated response they sent me. I asked these creditors for debt validation letters but they failed to send that to me also. This is a violation to me as a consumer and I trust the CFPB to help me resolve this matter effectively. On XX/XX/2022 I sent my first letter and received no reply and XX/XX/2022 I sent another letter which they sent me what looks like a computer generated response saying it was not me submitting this request. I am a victim of identity theft and I have sent a Ftc report i submitted to them and will attached it here. These accounts are not suppose to be reporting on my credit. Thank you for reading this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Checked credit and I show these accounts are still revolving. I already checked with transunion and disputed the following account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these accounts

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 2021-03-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest Credit Systems is repeatedly calling me XXXX almost daily ). I do not have any debts in collections and have seen the complaints online about this company. I never answer the phone, they never leave a message, I keep blocking the number, and they keep calling from a different phone #.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: FL
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:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: OH
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:
In XXXX of 2021 i attempted to open a line of credit from XXXX XXXX  to purchase merchandise from XXXX XXXX  in XXXX XXXX, OH. Due to unforeseen circumstances once the line of credit was opened i immediately closed it before any purchases were made. The account was closed in XXXX and was removed from my credit report then it was refurnished in XXXX. 
I was given a letter from bobs furniture stating i never received any products but acceptance now continually furnished account saying i did. After almost two years of back and forth they finally deleted the tradelines with XXXX and XXXX. Experian is refusing to honor the request for deletion that was sent to me and the other credit bureaus.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report 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 non-monetary relief
Consumer complaint received 2020-11-11
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 am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NC
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 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 personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-12-31
Company: NATIONSTAR MORTGAGE LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently sold and now the new mortgage company is requiring me to obtain additional homeowner insurance or they would provide it a substantial price. I have had the same insurance coverage since the day I took out me mortgage in 2007. According the my mortgage contract I had to obtain insurance that was approved by my mortgage company. I complied with that obligation. The coverage was approved by my initial mortgage company. My understanding is that if a mortgage is assumed by another company all terms and condition are to be continued with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I borrowed {$27000.00} now I own {$110000.00} ( interest rate 8.250 % ) and another loan i borrowed XXXX and i own XXXX ( interest rate 4.75 % ). This has destroyed my life even with minimal payment my balance keeps going up and up. It is literary uncontrollable. They forced me to accept lower interest rate payment plans multiple times ( b/c i can not afford to make full payment ) and i was happy to accept because i was able to afford the low interest loan payments. However, with the lower interest payments, it actually increases my total loan. And this was not explained to me properly. It feels like i am getting rubbed. The interest rate on the loan is high and the payment is unaffordable so they give me a lower payment options but the total amount goes up. I am not even sure how this is legal. I went to school and coming from am immigrant family and low income i was not able to get a lower interest rate student loads so I was forced to accept higher interest rate student loan. This is not fair. The poor even if they work hard and graduate from medical school and have good income still have to be poor because it is systemic problem. If my parents were rich, we will have money to pay for school or get low interests rate loans, which means lower/affordable payment. But if you are poor you have no saving, low or no credit score and you get higher interest loans and your payment is higher/unaffordable. So i can not save money for my kids and i can not break the cycle and live the American dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Capital Management Services, LP
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company : CAPITAL MANAGEMENT SERVICES L.P. aka XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County, NY XXXX XXXX / XXXX / XXXX Fax : XXXX https : //www.cms-collect.com/ ... is calling family members multiple times in attempt to collect a debt not owed to them from the receiver.

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 2021-08-19
Company: SYNCHRONY FINANCIAL
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 was told by 4 different companies that the inquiry they were pulling would be a soft inquiry which were all done in this the last month yet each Company did a hard inquiry without my consent. There websites said that the inquiry would not affect my credit yet they are all on my credit report and have impacted my score substantially. I am furious and need this resolved.

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 2020-09-11
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On or about XX/XX/2020 I attempted to pay a wireless cellphone bill that was in another parties name which when the wireless phone company attempted to obtain the {$5.00} fee for the cell phone bill they submitted there request to my US Bank relia debit card account by using the other party name and address who is on the wireless phone company account which US Bank card Holder services rejected the request which was a honest mistake made by the wireless phone company which US Bank card Holder services placed a Restriction on my US Bank relia debit card account on XX/XX/2020 making it unable for me to withdraw any of my Money that is on my US Bank relia debit card account which I have over 12k in that US Bank relia debit card account which they instructed me to Fax US Bank card Holder services Proof of my current Address and my Identity which I Faxed my Proof of my Address & my Identity twice on XX/XX/2020 & XX/XX/2020 and US Bank card Holder services has refused to still Remove there Restriction that they placed on my US Bank relia debit card account causing me Not to be allowed to withdraw any of my Money that is in my US Bank relia debit card account which is Ineligible account now and since XX/XX/2020 I have been unable to obtain any of my Money from this US Bank relia debit card account to buy Food for my home and pay my bills which are Past due can some one Please Please help me get this US Bank card Holder services to Remove there Restriction they placed on my US Bank relia debit card account or what other options due I have to get my Money off of this US Bank relia debit card account Please help me???

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 2023-06-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This complaint is my follow-up to my previous complaint on this platform dated XXXX to ensure that the following items are deleted. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Hello, I was pre qualified to purchase equipment from a XXXX XXXX XXXX. I had a finance XXXX named XXXX XXXX. 
I was told I was getting a 6 % rate when really it was a rate factor and was never a percentage rate. 
My finance rep was apart of XXXX XXXX and solicited another lenders contact. ( CIT Bank ) was the 3rd party lender. I feel violated that I was solicited and lied to about the terms. 
I was told false info thru via email ( documented lies ) and now Im struggling to make the payments. This definitely isnt standard loan practice and I would like to return the equipment and get out of the loan asap. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: EQUIFAX, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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:
This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 2016-11-07
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.

Company response to consumer: Closed with explanation