BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-10
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second complaint against Nationstar Mortgage LLC, once again I have submitted a loan modification application to Nationsatr on XXXX/XXXX/2016 by e-mail and certified mail they signed for on XXXX/XXXX/2016, since then it has been over five ( 5 ) days and no response from Nationstar instead I received a letter saying that my home is being sold at a auction on XXXX/XXXX/2016 at XXXX XXXX. 
Nationstar and its attorneys have and continued to violate the rules and right now I am being Dual-Tracked where I have a loan modification pending and my home is scheduled to be sold. At this time I need help with this matter as this have been an on going infraction of my civil rights under the XXXX XXXX XXXX XXXX XXXX and President Obama making homes affordable. 
Just to point out that Nationstar and its attorney continues to violate Regulation X and is getting away with it I need not only answers but I need to have Nationstar, s CEO XXXX XXXX prosecuted for fraud since owing to the fact that instead of helping struggling homeowners get a reasonable modification he is acting like a Slum Lord where he just wants to foreclose and make a gigantic profit and our Government is letting him get away with it. 
At this time I have complained to CFPB before and I have gotten nowhere I need XXXX XXXX to look into my complaint and do something about it I have enough proof to show that Nationstar is committing fraud which I can submit to CFPB or to the general public including members of Congress. 
Please see attached documents also I can be reached at XXXX to further discuss this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have addresses listed on my XXXX XXXX, Experian and XXXX  credit report that I did not reside or live at. The following addresses are not my addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX. I have never lived or resided at the addresses. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. My current phone number is : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Consumer Portfolio Services, Inc.
State: CA
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:
To Whom It May Concern, I am filing this complaint for violation of the Fair Credit Reporting Act, 15 USC section 1681. On or about XXXX XX/XX/XXXX ] I obtain three consumer credit reports from the three ( 3 ) major credit bureaus XXXX, XXXX  and XXXX. At this time I notice and found an inquiry by [ Consumer Portfolio ] to obtain my consumer credit on XX/XX/XXXX. 
I have never had any business dealing with [ Consumer Portfolio ], nor have I applied for any credit or services, or employment as defined in 15 USC section 1681 ( b ), neither have I executed any contracts resulting in an account in favor of the [ Consumer Portfolio ]. 
On XXXX XX/XX/XXXX XXXX, [ Consumer Portfolio ] obtained my consumer credit with no " permissible purpose '' and appears to be a violation of 15 USC section 1681 ( b ). I am filing this compliant with the Consumer Financial Protection Bureau, XXXX XXXX XXXX and Attorney General notifying [ Consumer Portfolio ] of their violation in an attempt to mitigate future damages and obtain settlement from [ Consumer Portfolio ] prior to filing any legal action. At no time did I give the [ Consumer Portfolio ] permission to obtain my consumer credit report from any credit reporting agency. The actions of the [ Consumer Portfolio ] in obtaining my consumer credit report with no permissible purpose or my consent was a willful violation of 15 USC section 1681 ( b ), and egregious violation of my right to privacy.

[ Consumer Portfolio ] had a duty to properly as [ Consumer Portfolio ] had a right to collect, resulting in [ Consumer Portfolio ] obtaining my consumer report. Therefore I may be entitled to damages by operation of law. 
I demand Consumer Portfolio remove the inquiry from Consumer Portfolio my consumer credit report. 

certain if there was in fact any legitimate permissible purpose for obtaining my consumer credit report. [ Consumer Portfolio ] however breach said duty by failing to do so. There was no account that Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: NCSPLUS INCORPORATED
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company states I owe {$760.00} for medical services. I not only have no recollection of receiving services from them, but I had XXXX  at the time of said services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to nationstar mortgage, I ve been having trouble with them from the start .I have contacted an attorney to get things straighten out. And the person that he talk to there had agreed XXXX some terms to straighten out the matter but like always nationstar will not work to get this loan straighten out Now they wont give my attorney the rein-statements Values paper work that is needed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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 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. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance : {$5200.00}

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 2021-03-02
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: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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:
I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than four business days after the receipt of such information that I have sent over in accordance with 15 USC 1681 c-2. 
See multiple previous submissions through CFPB portal showing accounts identified as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.

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 2018-02-03
Company: EQUIFAX, 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:
Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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:
I have sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to 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 2020-11-28
Company: ALLY FINANCIAL INC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- I am current on my loan ( got a deferment but paid it back ). 
- My credit history is XXXX - Yet on XX/XX/XXXX2020 I lost my job due to Covid and therefore am asking the original bank : ALLY to lower rate ; to allow me lower payments ; as every other bank is offering. 
- Applied with FULL 84 pages of documents on XXXX/XXXX/2020. As of today XXXX 2020 I Still have NO REPLY. 
- Have called in over 15 times, as " the portal all the representatives tell you to use '' does not work. So I call in and get told we NEED one more piece of documentation - over 15 times. 
- They refuse to allow you to speak or even email the underwriters. Yet while I was applying for the Original mortgage had one dedicated rep I could communicate with. 
- On XX/XX/XXXX rep told me YES they had all the documents and I would have word within 30 days. Waited till XX/XX/XXXX and called in again. Again told to go to website. Told them it does not work. He then read to me the Underwriters notes : ' that all the documentation ' was TOO OLD, I would have to start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
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 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 : # XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX 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 a 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 2023-07-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently became a victim of identity theft and I was informed by the Credit agencies that I needed to get a police report and an identity theft report from the federal trade commission as well. XXXX of the accounts in dispute was a XXXX XXXX  account with the account number XXXX. This account was removed once I submitted my police report and identity theft report about XXXX weeks ago. Today it was placed back on my account. I called experian and informed them the account was not mine and had already been removed and by law they cant place it back ones its been removed. I spoke with a representative named XXXX in which he stated XXXX XXXXXXXX place it back and I am unable to dispute it or have it removed. He stated it is permanently on my account. Even though I submitted my police report stating Ive been a victim of identity theft he stated they are not going to touch it. I asked him how is possible he stated thats just how it is. XXXX XXXXXXXX wanted it back so thats that.

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 2018-02-03
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
IC System, a collections agency, has continued to contact me despite the fact that I am not past due on any debt assigned to them. I was incorrectly refered me to them about installment debt that was paid. I have informed IC System of this and demanded that they cease and desist all communications regarding this matter.

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 2016-09-28
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Debt Collectors XXXX XXXX New Jersey XXXX County, XXXX XXXX XXXX, Nationstar Mortgage LLC have engaged in illegal debt collection actions which includes Tax Evasion, Identity Theft, Criminal Acts against the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: LoanCare, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint concerns XXXX XXXX, doing business as LoanCare. 

This mortgage servicer that bought my loan from another lender. Their phone service makes it impossible to speak to a live person to receive an explanation for the increase in my monthly payment. I want to speak to a live person. Their phone system makes this impossible. Furthermore, their on-line submission link does not work. 

I appears they have established a system to keep customers from fully interacting with them. 

I want to interact with them but they have established barriers at all turns.

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 2019-03-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I've filed a report on Federal Trade Commission website on XX/XX/2019 about an unknown/fraudulent BK reporting on my credit report and have sent the copies along with my info and letter with explanation to the reporting bureaus ( XXXX  and Experian ) on XX/XX/19 to remove the incorrect reporting from my credit reports. They have all the necessary documents in order to take an action and to remove the incorrect info, but instead they refuse to do anything.

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 2019-07-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed 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 2020-02-05
Company: ENOVA INTERNATIONAL, INC.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have tried several times by email to contact customer service, my mother is XXXX she is the customer-I was looking at her contract and it states that they charged her over {$5000.00} in finance charges for a loan she barrowed {$2500.00}. After I read her the loan terms she freaked out because they collected over {$2900.00} since XX/XX/19 and only {$300.00} went towards her principal. I believe this is wrong and can there be something done? Again my mother is over XXXX years old and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: NATIONSTAR MORTGAGE LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Filed Chapter XXXX Bankruptcy back in 2011. Since then NationStar mortgage and XXXX XXXX have both reported the accounts closed. Both the first and second mortgage are kept open even with the bankruptcy. I have contacted all XXXX credit reporting agencies. One month it will be reported as closed, one month it will be reported as open, another month it does n't even show on my credit report. Seeing as all other credit accounts are closed and monthly payments are made on time, our score should continually gradually be going up, not down! I 'm tired of playing games with this. its unfortunate we had to file for Bankruptcy, but our credit is worse than ever with these companies!

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