BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I received from them a notice, via the CFPB website, that they were not able to respond because I was not listed on the accounts but they keep reporting these accounts on my credit report and haven't sent any mail-response as I requested for the Reporting Agencies to do. I have proof of the previous letters I sent via mail that have been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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:
VIOLATION TO CONSUMER FCRA AND METRO 2 COMPLIANCE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Experian & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.

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: Meridian Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this debt numberous times. This debt does not belong to me. 
This false reporting is a clear violation of Public Law 104-191 ( " HIPAA ''  ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. 

Please delete from my credit report. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, which I did not recognise who try to collect money I did not own. Continue to send me bills ( I did not own ) for a year, took long time for me to find out the address ( they refuse to disclose address ) - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 
The Company, try to collect money, send me response to my letter ( 3 months later ), refusing to answer my request questions about : - why do they think I own debt, and whm do I owe it ; - license number, name, state agency issuing license ; - physical address of the creditor. 
I'm XXXX XXXX XXXX retired XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have received roughly 6-7 intimidating collection letters threatening legal action have received 2 letters delivered via XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filled chapter XXXX bankruptcy in 2009. The office of Glasser and Glasser in XXXX VA was listed in the bankruptcy and did not dispute the case. My bankruptcy was discharged without any problems. Now 10 years later I discover that the same company has placed a discharged judgement on my home. I have contacted Glasser and Glasser for the last 3 weeks. At first they told me that only the attorney involved could talk to them. The bankruptcy attorney I had in 2009 lost her license and practice after my case was resolved. I have a letter from the Department of Justice with the details. Glasser told me to fax that letter to them and they could then talk to me. I have confirmation that this was received. I called them again and was told at first they couldnt find the letter and then when found they couldnt talk to me. I have been told twice that they would have their attorney call me. No calls yet. I have all my paperwork from 2009. I understand that they could be breaking a bankruptcy law by this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX XXXX, XXXX XXXX filed a mortgage foreclosure action in the Circuit Court of XXXX County, Florida. XXXX sold the Note and Mortgage to Nationstar Mortgage , LLC. XX/XX/XXXX, It was negotiated that I give XXXX a Deed in Lieu of Foreclosure. See attached. The deed was never recorded in the Public Records. Litigation went on in the case. In XX/XX/XXXX, Nationstar Mortgage , LLC and I entered into an agreement that Nationstar acknowledged that a Deed in Lieu was given in XX/XX/XXXX and that they would pay me {$7500.00} upon a XXXX being sent to them, Nationstar would record the Deed and give information to the XXXX credit bureaus that a Deed was given in XX/XX/XXXX. Nationstar did pay me, they did dismiss the suit in XXXX County, Florida but they never recorded the Deed nor did they sent information to the XXXX credit bureaus that this account had been satisfied. I desire that Nationstar Mortgage LLC own up to its part of the agreement by recording the Deed and send information to the XXXX credit bureaus that this account has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had a loan with Nationstar Mortgage for years and have our payments on automatic payment via XXXX XXXX XXXX. Consistently for many years, NationStar misapplies our payments and charges us late fees. Each time, we call in to remedy the situation and each time, we have to call in several times to fix each issue. We have spent over 100 hours calling into them and they have yet to fix the problem. Their inability to properly apply payments is ruining my credit through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Mr. Cooper Group Inc.
State: VA
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: Problem with product or service terms changing

Complaint:
My mortgage was sold from XXXX to Mr. Cooper ( Nationstar ) on XXXX XX/XX/XXXX and Mr. Cooper failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, Mr. Cooper failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX  ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Apple Card has my funds on hold. they have held {$500.00} from my available credit and not released it. I FILED A FRAUD CLAIM DUE TO A FRAUD CHARGE.. Apple CarD INSTEAD TOOK {$500.00} FROM ME AND IS NOW KEEPING IT ON HOLD. I FILED A POLICE REPORT ABOUT THIS ATTACHED IS THE POLICE REPORT. I NEED THEM TO RELEASE THE FUNDS FROM MY AVAILABLE CREDIT IT IS THE END OF THE MONTH I JUST PAID MY MORTGAGE AND ALL OF MY BILLS I NEED THE AVAILABLE CREDIT FOR EXPENSES THEY ARE HOLDING MY FUNDS FOR NO REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
The Credit Bureau 's actions and assertions that the disputed items have been validated frustrate me, especially because they haven't offered me any proof of their claims. My patience has run out, therefore I'm filing this CFPB complaint as my final attempt to handle these issues without consulting an attorney. A sizable amount of illegal accounts as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the XXXX with XXXX XXXX XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA XXXX XXXX XXXX XXXX XXXX XXXX ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., XXXX XXXX ). Let me know if you need anything else, please. Here is the list of accounts that should have been removed from my credit File and yet the Credit Bureaus have continued reporting : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Between the years of XX/XX/XXXX and XX/XX/XXXX, the college I attended ( XXXX  University ) offered a direct private student loan to bridge the tuition gap that my Federal Student Loans did not cover. After XXXX  in XX/XX/XXXX, I was suprised when I received a letter in the mail that the private student loan portion was due immediately, instead of the usual 6 months until AFTER XXXX. I was unable to pay as I was unemployed for nearly a year after XXXX. By the time I eventually did get employement and had the ability to pay, it was too late - the school had sold the debt to a third party collection agency, damaging my credit. The main problem is I have received minimal to NO communication from this third party collection agency other than a single notice in the mail that the entire balance was due. I reached out to my school directly if I could come to an agreement with them, but they simply told me there is nothing else they can do and I have to deal now with the third party collector instead. Now I don't know who currently owns this private student loan debt as I have not received any communication on it for almost 2 years and don't know who to reach out to, and the school offers no additional help. This account is still on my credit report as a derogatory and has prevented me from being able to request any kind of credit, even things as simple as a credit line increase, much less a loan for a dependable car.

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 2016-02-26
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 it was verified by the lender that they had received everything that was needed and asked for to began review of a modification. On XX/XX/2016 I received a letter stating that the house was scheduled to be foreclosed on XXXX, 2016. In accordance with the consumer laws I had sent my documents in 37 days prior to a foreclosure date. On XXXX XXXX, 2016 I revieved a denial letter for modification and informing me I have 30 days to file an appeal from the date of the letter which was XXXX XXXX, 2016. In accordance with consumer laws once I recieve a denial letter I have the right to appeal it without the threat of a foreclosure at the same time of the appeal furthermore I have the right to another alternative to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days.

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 71 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 


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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not my account XXXX XXXX number XXXX balance {$4300.00} Accorcing to 15 USC 1681b Permissible purpose I did not authorize anyone to report this info to my report. To continue to report this is identity theft.

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 2016-02-25
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have been residents of XXXX XXXX all of our lives and want to spend our retirement years in our home. We have done everything we can think of to resolve matters with our mortgage servicer, your company Nationstar mortgage, but our pleas for assistance have been ignored. We are being forced out of our home because Nationstar Mortgage can not get their process together and are failing to communicate with us properly. The servicing of our loan was transferred to them from XXXX Mortgage, but the payments we sent to XXXX XXXX Mortgage and to Nationstar Mortgage was never applied to our loan. Further, Nationstar Mortgage will not speak to us professionally regarding our mortgage and the problems they created. We are in a situation where they are going to take our home away through foreclosure, but it is n't our fault. We are hoping that you could reach out to Nationstar on our behalf and get them to speak to us. We just need a push, not for you to get involved, unless you are will to do so. 

The problem started the end of 2011 when my loan was transferred from XXXX XXXX to Nationstar Mortgage. During our time with XXXX XXXX the service was perfect, but once Nationstar Mortgage took over our mortgage issues began and now has turned into a nightmare. They lost our mortgage payments and this was the start of our problems and they are failing to recognize their errors and correct them. Nationstar Mortgage is refusing to work with us and has declined to take our partial payments. They are now demanding the full delinquency amount. This is impossible and has pushed us further and further behind and we are faced an imminent foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We are trying to refinance our mortgage and the mortgage company needs I to unfreeze my credit ( I was an identity theft victim ) at Experian. The PIN Experian provided, when I froze my credit, did not work online ; and the number Experian provided XXXX XXXX XXXX XXXX ) does not offer a way to unfreeze or speak with someone. The mortgage company has been insistent on this and I are frustrated with not being able to speak with someone at Experian to assist.

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 2019-08-21
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been receiving multiple phone calls, emails, and voicemails from quicken loans trying to get me to refinance with them. I am currently a quicken loans client but after this incident I will no longer do business with them. Some days I would receive over 10 calls even after I kindly told them to take me off of their list on XX/XX/2019. The emails, voicemails, and calls have been going on for over two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage became the new servicer for my mortgage on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they sent a statement of account indicating I had 30 days in which to dispute the debt. I did mail a dispute certified mail on XXXX XXXX, XXXX well within the 30 day time period. However, they have my home scheduled for sale on XXXX XXXX, XXXX without any notification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
It was the scamer fraud before I didnt know it, when I did the wire transfer, so on XXXX I did ask the TDBank, XXXX XXXX  and XXXX  XXXX XXXX to credit me back, but did not do it for me!

Company response to consumer: Closed with monetary relief