BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: MO
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:
To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, 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 2022-04-03
Company: EQUIFAX, INC.
State: GA
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:
I reached out to the reporting company and they have not gotten back with me in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen ismay mortgage holder. They transferred all their clients to XXXX XXXX who does not accept my payments thru the system. I have until the XXXX to pay the mortgage but both ayatemaare not working. I have called all the numbers listed in their website and nothing. I need assistance in getting through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: GA
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:
Late payments were reported to the credit bureau on my account and i had no idea that the payments were late. A family memeber was supposed to be making the payments and they decided not too and didnt tell me, so i had no clue. No one ever emailed me or called me to let me know the payments were due and late. As soon as i figured out about the payments i brought them all up to date and paid the balance. Navient never emailed me, called me or sent any mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the XXXX  data breach and may have been in the hands of the wrong person.

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 2021-08-11
Company: EQUIFAX, INC.
State: GA
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:
I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, 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:
The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00}  XXXX XXXX XXXX {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: MoneyLion Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was informed that if I qualified for a short term loan with money lion that a membership fee would have to be paid while I had this loan. it was a {$600.00} loan to be repaid in 6 months, during which a membership payment along with a loan payment would be paid until the loan was paid off. {$130.00} for the fee and {$100.00}. for the loan payment. I made all the loan payments and paid off the loan on time XX/XX/XXXX XXXX. one membership fee was not taken from my account otherwise 5x {$130.00} was paid. when the loan was paid off my obligation for monies ended then. moneylion has since continued to withdraw {$130.00} a month two months after loan payoff. I contacted them and told them that those unauthorized withdraws on my account were not ok they told me that until I paid the missing payment fee from XXXX that I could not cancel the membership I didn't know I had. I went to their web site where I learned that the membership fee they were talking about was XXXX a month well with myself being charged XXXX a month these two fees must be different if a membership for XXXX a month is truly what I joined then why was I charged XXXX $ a month. when I was given this loan I was not aware I was joining a club, organization, or group I was simply informed that when I had a loan thru them I would be charged the extra fee. so now Money lion has  received from my account XXXX in membership fees and XXXX in loan payments totaling XXXX for a XXXX loan claiming I was only charged 5 % interest. I think that money lion should have to be held to there own guidelines. if I really did join a membership then I should have been charged their stated membership fee of XXXX for six months totaling XXXX plus the loan payments XXXX I should be able to cancel said membership anytime after load payoff. moneylion overcharged me XXXX a month on the membership fee 5 times ( XXXX ) charged me 2 months past loan payoff ( XXXX ) overcharging me XXXX I missed one fee charge of XXXX leaving us with a XXXX over charge to me. which I would like refunded. 


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 monetary relief
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called KOHLS and asked the balance and requested the account be closed. 
They told me the balance and I sent a check and wrote " paid in full '' and they cashed it. 
I had paid it in full and requested it be closed so I knew no further charges would be made and I cut up the card. 
I started receiving emails from them with with the subject " we have good news '' I blocked the emails after that because I figured it was for a new card or some kind of offer and I didnt want to shop there anymore. 
Then I look at my XXXX and realize they had sent me to collections and the amount was all fees that was beyond the original credit limit. 
I called the collection agency and paid a settlement reluctantly after explaining the situation they said there was nothing they can do. I called Kohls they told me the payment was late I argued with them that it wasnt and it was in fact their error. 
I believe that if they didnt send misleading and deceptive messages I would have noticed the issue sooner and been able to correct it before the negative impact on my credit and all the fees I ended up paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 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.

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 2016-11-16
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage , LLC is attempting an illegal foreclosure on our home! Nationstar mortgage willfully and intentionally misappropriated funds that were actually WITHDRAWN FROM OUR BANK and processed via Nationstar 's merchant processing, XXXX XXXX then assimilated into Nationstar XXXX account, held for months, then reprocessed into a Nationstar generated check and mailed back to borrower with no prior warning, threat of detrimental action NOTHING! XXXX {$2200.00} SUBMITTED BY BORROWER, PROCESSED BY SERVICER NATIONSTAR, MONEY HELD IN LIMBO AND NOT APPLIED TO XXXX!!! ) Money held by Nationstar for XXXX months causing not only a delinquency but withholding said FUNDS PAID from XXXX is a criminal offense for a mortgage servicer who takes on the responsibility of an FDCPA regulated collection agency, mirandizing borrowers while scantly servicing mortgage needs. 
Nationstar has proven that it is in their financial interest to force defaults on borrowers, which in turn fuels their fraudulent collection practices, accruement of late charges and fees, immediate property inspections as well as new XXXX XXXX policy requirements to fit their profit structure. All alluding and subversive with regard to nationstar Investors knowledge of unfair business practices Your intermingling of HUD guidelines via mortgage servicing with FDCPA collection guidelines under the same umbrella should be seen as a conflict of interest and is an issue for the Consumer Financial Protection Bureau, FTC to examine as well as the XXXX Treasury Department. Being that Nationstar 's collection and mortgage servicing are based in the state of Texas this constitutes XXXX commerce efforts into the state of Nevada. 
Nationstar Mortgages ' attempt ( via FRAUDULENT debt validation letter from CLEAR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Ph : XXXX ) to VALIDATE and accelerate debt in the amount of $ XXXX foreclose on this property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) IS AN ILLEGAL ATTEMPT TO FORECLOSE WHERE THEY HAVE NO STANDING! This debt was challenged by way of debt validation demand immediately following Nationstar 's acquisition of servicing responsibilities from XXXX XXXX XXXX by XXXX XXXX dated XXXX XXXX 2013 sent certified mail to Nationstar Mortgage. NATIONSTAR FAILED TO RESPOND WITHIN 30 DAYS! To this day 34 MONTHS LATER Nationstar has n't so much as responded to DEBT VALIDATION submitted by borrower PERIOD! Proof of receipt can be proven in several ways. 
Should Nationstar be truly interested in keeping the homeowner 's in their home We have included multiple guidelines established by XXXX that Nationstar still has the option to exercise that can save this home from a XXXX drawn out foreclosure and legal battle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT ARE NOT MINE THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS OR INQUIRIES.

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 2018-02-05
Company: Home Point Financial Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm attempting to payoff a loan with Home Point Financial Corporation. Even though I have paid off virtually the entire loan except for perhaps XXXX cents of interest that might be due, when I called Home Point Financial Corporation today, I was told that I owed my usual monthly payment of {$2600.00}. I paid almost the entire loan through debit payments from my checking account. For some unfathomable reason, this business insisted that I couldn't make the payoff amount of {$88.00} effective throughXX/XX/XXXXby debiting it from my bank account, which I had done to pay off the rest of the original {$390000.00} loan. They offered two inconvenient options. One option was to wire the money, which would cost me a {$25.00} wiring fee. The second one was to mail certified funds, and try to estimate the interest to anticipated day of receipt of mail. On XX/XX/, I mailed a money order in the amount of {$88.00} ( {$88.00} plus {$0.00} to cover 5 days of interest beyond the loan payoff effective date of XX/XX/ ) and the post office estimated that mail would be delivered XX/XX/. I included interest to cover delivery delayed until XX/XX/. Unfortunately, delivery was delayed until XX/XX/. I spoke with a supervisor named XXXX XXXX on XX/XX/, and she stated she would help me make the payment by phone if I call back on XX/XX/ or XX/XX/. I called back today. The customer service representative ( XXXX ) hung up on me after a 30 minute phone call without getting me through to XXXX 's voice mail, and the second time, after waiting for almost half an hour, he proceeded to continue to argue with me and then after a delay of another 10 minutes, forwarded me to the wrong voicemail ( someone named XXXX ). XXXX did confirm that a money order payment of {$88.00} was received on Friday, XX/XX/. I would like to pay whatever amount I might owe at this time ( probably XXXX  cents based on the daily per diem and the fact that I only included XXXX cents of per diem interest to cover delivery until XX/XX/ and delivery actually occurred on XX/XX/ ), and I would like to do this by debiting it from my bank account as I have done to payoff virtually the entire loan. I don't understand why this business doesn't allow this option as it guarantees timely delivery of payment unlike mailing the payment and also doesn't require an extra {$25.00} payment as would be required for wiring the funds. I have paid off a car loan by debiting the payoff amount from my checking account. My student loans can also be paid off by debiting the payment from my checking account.

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