BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Left XXXX XXXX for another electricity company. Initially, I did not pay my final bill on time. This was reported to a collection agency, whom I paid in XXXX of 2018. I have a screenshot of my credit report that shows that this was paid. The very next month, I got a letter from a different collection agency ( Mercantile ), and they were trying to collect {$58.00} on behalf of XXXX XXXX. They also put this amount on my credit report, and it doesn't belong there. I no longer owe XXXX XXXX any money, and I want the Mercantile {$58.00} debt fully erased from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
A claim was filed with the insurance company in XX/XX/XXXX to replace the roof on the home. The adjuster provided payment to the mortgage company in XX/XX/XXXX. As of XX/XX/XXXX the mortgage company refuses to provide to the contractor in order to make the approved repairs. The mortgage company has deposited the funds, collecting interest on the funds, and risking further damage to the home by not releasing adequate funds for repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have now received 2 collection letters from a law firm in XXXX XXXX, TX regarding 2 unpaid parking tickets. Offense dates were XX/XX/XXXX and XX/XX/XXXX and reference a vehicle I did not own. After the first collection letter in early XX/XX/XXXX, I was told by the agency that I must contact the city of XXXX XXXX to get myself taken off the list. I did contact the city and after reviewing my documentation the city agreed I did not own the car and that I would be removed from the complaint. The city sent me an email on XX/XX/XXXX releasing me from liability. The second collection letter was received XX/XX/XXXX threatening to boot or tow my car if I did not pay the fine plus penalties

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: IL
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:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-03-01
Company: EQUIFAX, INC.
State: IL
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:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.

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 2019-03-22
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent certified letters via mail time after time after time requesting this false information be removed from my credit report as they are not able to verify that the debt belongs to me. No one has responded or honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe I was also impacted by the recent scandal and Class Action Settlement whereby my mortgage payment was changed while I was under Chapter XXXX and PRIOR to the loan modification request. According to the bank, it recently reached a settlement in the pending class-action suit, which accused the bank of improperly filing mortgage payment change notices on borrowers who were in the midst of Chapter XXXX bankruptcy proceedings.The complaint alleged that the bank engaged in fraud, violations of bankruptcy rules and laws, and unfair and deceptive trade practices by improperly and unilaterally modifying the mortgages of the bankrupt borrowers. Before I filed bankruptcy my monthly mortgage was approximately {$1500.00}. During my Bankruptcy, I received the attached 2 statements that my payment was increasing.

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 2023-05-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Now that my loan was transferred, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-03-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Vehicle is a XXXX XXXX XXXX leased through XXXX XXXX. Vehicle was turned in XX/XX/XXXX ... yes XXXX at XXXX XXXX of Arizona, ( XXXX XXXX Manager XXXX ) Payment was sent to Nissan plus I paid the final {$260.00} per Nissan to complete all payments due for lease through XX/XX/XXXX. XXXX repeatedly called Nissan to pick up vehicle, sent them the odometer statement with no response from Nissan and til this day XX/XX/XXXX, over a year later the vehicle still has not been picked up by Nissan. XXXX did say that Nissan is guilty of this practice every time they take in a XXXX or Nissan because they do not want to pay to pick up vehicle. I repeatedly have spoken to both parties. Around XX/XX/XXXX Nissan called me to ask weather I was turning in the vehicle or wanted to purchase, this is nuts when the vehicle was turned in on XX/XX/XXXX. They have continued to keep account open and I have accumulated 2 payments overdue and I have a spotless credit report. I also spoke to XXXX XXXX at Nissan ( XXXX ) the last time being XX/XX/XXXX and also by email that day and he is well aware the vehicle was turned in in XXXX of XXXX. Would also like to know what XXXX has been doing with vehicle after over a year, did they use it for all this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-09-17
Company: Partners Financial Services Inc
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trying to impose XXXX dollars in fees which is against fait debt collections practices act a serious violation and US Government Does nothing About this type of fraud I have tried numerous disputes with XXXX XXXX and have gotten on where Date of account opening XXXX XXXX 2015 that will have to checked also for accuracy PARTNERS FINANCIAL/XXXX XXXX XXXX XXXX, MO XXXX Somehow has added these fees and falsey reported it to XXXX as a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Over a month ago I called XXXX  customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.

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 2017-09-17
Company: Pendrick Capital Partners Holding, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with this medical debt for 2 years now. I had an emergency room visit on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the doctor was paid by my medical insurance on XXXX/XXXX/XXXX. I notice that the date of service on the debt collection letter is for XXXX/XXXX/XXXX and the date on my insurance claim is for XXXX/XXXX/XXXX. I did get treated at the ER on both of these dates so I think maybe the dates are mixed up on the paperwork. That may be what the problem is because I have insurance claims to different doctors on both of these dates. The original fee charged was {$1200.00}. He is a physician provider on my insurance and agreed to accept the eligible charges that were paid to him. This has been on my credit report up until a couple of months ago and the only reason it 's not there now is because I filed a dispute with XXXX XXXX. After the dispute was settled it was deleted from my credit, but this physician sent these charges to a different collection agency after the other one dropped it. The old collection agency was XXXX XXXX and the new collection agency is XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX DO ) and the current creditor is listed as Pendrick Capital Partners. A XXXX XXXX/ XXXX XXXX XXXX representative even tried to call and talk to the first collection agency ( XXXX ) and the physicians company, but was given the run around and was unsuccessful. I faxed them proof of payment from the insurance company on several occasions, but was unsuccessful until I filed the dispute with XXXX. I have not contacted the new collection agency because collection agencies only go by what the creditor claims you owe them, so I 've decided to file this complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Credit Report states i have a joint account mortgage with a company name Nation Star Mortgage out of XXXX, Texas, Acct # XXXX its showing a balance of {$98000.00}. I have no idea who opened this account nor do i know the location of this property. I have contacted this company directly and have been unsuccessful in trying to resolve this issue. This account does n't belong to me. I also disputed this account with the credit bureaus. i have submitted documentation that states I 've been victimized by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: GA
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 several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XXXX/XXXX - Bal : {$470.00} XXXX XXXX - Bal : {$4200.00} XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts : XXXX/XXXX  - Bal ; {$470.00} XXXX XXXX - {$0.00} XXXX/XXXX - {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been approved by a new mortgage company at a lower interest rate. PHH Mortgage will not honor our request submitted by both us, XXXX XXXX XXXX, and XXXX XXXX, on XX/XX/2020. After multiple, daily phone calls and speaking with multiple representatives, it is clear that this company is stalling vs. just letting us out of this high interest mortgage. 

The final straw is their stipulation for a calculation of payoff quote, they must have an internal appraisal completed. We opened our home to their hired appraiser XX/XX/2020, but after multiple calls and queries, they say, " we can't find her photos. '' The first couple of calls reported " She sent photos in black and white '' Also, we have been unable to get into our established online account to see documentation and payments, etc ... We have been shut out since we made first payoff request. 

Finally, each monthly payment we make is 99 % interest, so far we've made 3 payments AFTER the initial payoff request. ( 3rd -  XX/XX/XXXX coming up ) PLEASE help us get out of this horrible company and start paying on principle. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation