BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount for XXXX at {$300.00} was reported paid off at 21 %. The company ERC XXXXEnhanced Recovery Company is trying to collect this account at {$300.00}. I have paid this account already and know it is showing up as full balance on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting.

I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contract buying house and won't to be able to get mortgage because of this late payment.

Attaching Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: FIRST HORIZON BANK
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is a follow up on OMB # XXXX. I now notice a letter that was sent by First Horizon to XXXX XXXX XXXX ... which is not valid and has been part of my issue with identity theft. I do mot have a po box nor access to any. The borrower and the guarantor are two different names but bank states they are same person. I requested a copy of report the bank used to pull my credit and they would not provide. I contacted XXXX to obtain information on alias used. XXXX has no record of false name on any of their reports provided. 
The bank had a copy of my drivers lis envelope but names dont match. The bank had no identification on record on primary borrower who wrote a {$240000.00} to himself very shortly after the {$250000.00} HELOC originated. Importantly, the collateral used to secure the loan was an empty lot. I never received information because primary borrower changed address information. 
The bank letter indicated a XXXX branch which is also incorrect. There is no XXXX branch in Louisiana to the best of my knowledge. I am most concerned about the false information on the application. Had the bank done due diligence and noted the obvious red flags associated with address changes and large transaction this could have been avoided. I am presently in a drawn out legal dispute resulting from both their actions and inaction. A prenuptial agreement was on file with the court which clearly stated a separate property regime. The HELOC presents as if three parties were involved. Only one state issued identification is noted. When I met with one witness stated on the loan documents, she initially stated that she did not recognize me and did not believe we had ever met before. That individual shortly after changed her mind. However she no longer works for the bank. Lastly, a {$240000.00} counter check transferred the money out of a joint checking account within days of the loan approval. I am now faced with a court order to sell the home at a price that I am forced to accept. The actions of the bank have cost me at least {$170000.00} in stolen equity as well as over {$40000.00} in litigation fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is not my first issue Fedloan. 

FSA Feedback Case : XXXX Complaint Case Number : XXXX My first issue was back in XXXX I was on an income based repayment plan and started a new job that increased my salary and I was honest and submitted information regarding this increase and the new income disqualified me from the current repayment plan. I was quickly put into a standard repayment plan which I could not afford. I was confused and frequently called customer service asking for options and help understanding. I ended up being put in a situation that a graduated payment plan was the best option for me based on my circumstances. This is never anyone 's first choice but what I could afford. At one point I had to make 2 payments one month in order to not default. It was such a terrible experience making a change to my account that I have avoided and dreaded the day I have to do it again. I am and have been a XXXX XXXX for 6 years and none of my graduated payments qualify for Public Service Loan Forgiveness ( PSLF ). I am at a place in my repayment plan that the next graduated increase is coming and the payment will not be something I can make every month and I have gotten married since I initially taken my loans out. 

In order to make changes to your account your name has to be updated and must submit documentation to Fedloans about this. I submitted my drivers license XX/XX/XXXX to the upload portal on Fedloans website. I was told 7 to 10 business days for updates to my account by a XXXX customer service rep. I checked XX/XX/XXXX my name was still not updated, I called customer service and they told me wait an additional 7 to 10 business days. I checked today XX/XX/XXXX and my name was still not updated. I called customer service again and customer service stated that the documents were uploaded on XX/XX/XXXX and my name is still not updated. The rep employee number XXXX told me that a request for the name change was put in on XX/XX/XXXX and to wait until early next week for the change to be processed. I asked her what should I have done differently because I thought I did what I need to do. She stated that I should have called customer service immediately after uploading my documentation to the website. There is nothing on the Fedloan website stating that you need to contact Customer Service to inform them that you submitted information and the 3-4 times I had called customer service to discuss this issue these instructions were never stated. I was told to just upload the documents and wait. One would think that if you uploaded information that it would generate a request. This issue predominantly effects women and the company not providing correct information and a timely responds could be detrimental to the lender. How many other people are not receiving correct information or are waiting for information to be updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Both Transunion and the collection agency XXXX  are in violation of the FCRA and FDCPA. The company has not responded to my letter yet alone send the forward flow agreement for the account. Transunion replied to complaint XXXX stating the account was updated when I requested a deletion due to FCRA and FDCPA violations. I need to see where you're getting this information from because I don't believe that you ever reached out to the creditor. Remove this account immediately : XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX. See attached the letter that was sent to the collection agency which is dated and time stamped. If you can not provide validation of this account since the company has failed to do so remove this account or I will seek legal action.

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 2018-12-13
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by Amsher collections and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
On XXXX XXXX I submitted a complaint regarding Toyota Financial Services XXXX They immediately removed only the most recent late payments that were inaccurately reported. All XXXX  bureaus have reported different and inaccurate late payments. This is a violation of XXXX XXXX Compliant reporting XXXX and FCRA. They have acknowledged the inaccurate reporting by removing the most recent ones and now are knowingly and willingly reporting against my rights by not removing all payments as required by law. 
The Fair Credit Reporting Act states that I have a right to fair and accurate credit reporting, and you are required to remove any information inaccurate, unverifiable, or untrue. Please remove all late payments reported on all XXXX  bureaus from this creditor immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have a current mortgage with Nationstar Mortgage. They keep telling to to refinance with them, so I finally do. I do my app and I am declined 6 months later. They lost stuff that I sent them, they ask for documents and I send them. They say that they need more but can not tell me what they need. They finally sent me documentation that they denied the refinance and it looks like it was for credit reasons, but credit was not an issue from day 1. The have pulled credit on me so many times that now there is too many pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. 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 2016-07-08
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nation Star Mortgage company called my husband 's place of business and spoke with his boss. They told his boss that he was late on his mortgage payment and that my husband needed to call them back immediately. They gave him a call back number and a message number and his boss gave that to my husband. They have never been authorized to call my husband 's work or speak anyone but he or I.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
This account was paid to the original creditor after it was charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The most recent date for the change in interest rate on our mortgage was XXXX XXXX, XXXX. Nationstar did not send the disclosures required by 12 C.F.R. 1026.20 ( c ) prior to the change in interest rates. Nationstar has not sent us monthly mortgage statements in 14 of the 36 months since taking over servicing on the loan on XXXX XXXX, XXXX. Nationstar did not send mortgage statements for the months XXXX XXXX through XXXX XXXX and then sent statements in XXXX and XXXX of XXXX. The XXXX and XXXX Statements have conflicting information concerning the interest rate on the loan and the monthly payment amount, plus unexplained fees. The XXXX Statement shows a interest rate of 3.00 % through XXXX/XXXX/XXXX and a monthly payment of {$1900.00}. The XXXX Statement shows an interest rate of 3.50 % through XXXX/XXXX/XXXX and a monthly payment of {$1500.00}. In XXXX Nationstar did not provide the disclosures on the loan regarding the first change in interest rate on the loan required by 12 C.F.R. 1026.20 ( d ). All totaled, in the three years Nationstar has serviced our loan they have not provided 14 monthly Statements and two required disclosures concerning interest rate changes. Even after multiple requests, Nationstar has also failed to provide a copy of the Note with any modifications thereto as required by California Civil Code section 2943 ( b ) ( 1 ). Despite previously filing multiple complaints with the CFPB and the California Department of Business Oversight, Nationstar continues with its scofflaw ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NY
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 violated my Federal protected consumer rights to privacy and confidentiality under [ 15 USC 1681 ]. 

Account : XXXXXXXX XXXX XXXX XXXX  XXXX - Claim account closed Account : XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX. All has violated my rights. 

[ 15 U.S.C 1681 ] section 602 A. States I have right to privacy. Accur [ 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. 
The United States Constitution in clear, 605. [ 15 U.S.C. 1681c - 1 ] 607. [ 15 U.S.C. 1681e ] 622. [ 15 U.S.C. 1681r ] 10 Plus years of consistent Payments on record with this reporting agency.

623. [ 15 U.S.C. 1681s - 2 ] 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 conviction 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 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 2022-08-07
Company: Experian Information Solutions Inc.
State: NY
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 requested a document with my handwritten signature to verify that this account is mine ; none was sent 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 2020-12-02
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
in XX/XX/XXXX i told XXXX precisely the garage door opener system i had and ordered the opener remote control item they said would work. it did n't. completely wrong. also no invoice was enclosed with the item, but the charge ( {$82.00} ) appeared on discover. after trying unsuccessfully to make it work XXXX sent me a second, different product, which did work. i asked for a shipping label to return the first, incorrect item. they sent me a label for the second, correct item which i wanted to keep. i contacted them again on XX/XX/XXXX and they said, " Upon checking on the order, I have see that you can return the item on store. 
Visitor ( XXXX GMT ) : ok thanks. i 'll take everything i got with me. 
XXXX ( XXXX GMT ) : Please visit store with your invoice and our team will help you! '' so i went to a XXXX store where they refused to take the item back. they said that they did n't carry it. 

i contacted XXXX again on XX/XX/XXXX and after a long talk, XXXX could find no record of the first purchase ( wrong part ) : " XXXX ( XXXX GMT ) : I believe in keeping transparency. The order number provided by you does not show up in your order history. '' i gave them every number on the package i could find plus they had my name, address, date of transaction, part number, etc. still they found no record, so they would not let me return the item. 

now discover has sided with XXXX, saying i must provide proof of return in order to get the charge reversed. I mailed discover transcripts of all chats ( several pages ) documenting that XXXX sent the wrong part, sent me the wrong return label, told me to go to the store where they refused the part, and finally had no record of me ever buying it so i could n't return it. how can i get proof of return when XXXX  wo n't let me return it? i think i have done far more than my share to resolve this, including more than an hour and a half on chat and wasting time and gas driving to the store as they directed me as well as printing and mailing pages of transcripts along with every number concerning the part that i can find. 

sorry this was long. thank you for your patience. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I entered into a contract to purchase the property located at XXXX, CA on XXXX XXXX, XXXX. I provided a good faith check in the amount of {$3000.00}. The agreed price of the home was {$230000.00}. The sellers bank requested a price increase to {$230000.00}. I agreed to the increase. I requested and paid for a termite inspection, a property inspection, and an appraisal. Because the property is a short-sale there were some repairs required by my lender prior to close of escrow. I request assistance in the repairs from the seller, who declined stating lack of funds. I requested an extension of escrow to allow enough time for the repairs to be completed. Once everything was signed off on by the city building inspector my lender informed me that because it is a short sale that they required a letter from Select Portfolio Servicing , Inc. ( SPS XXXX approving the sale because the previous on had expired on XXXX XXXX, XXXX. We had requested an extension of escrow, but we were not able to get a letter with a new closing date from XXXX. We have been requesting it since XXXX XXXX, XXXX. XXXX requested to increase /amend the price again and I have agreed but they still have not provided me with a letter approving the sale with a revised closing date. I am buy the house to have a place to live because me and my husband have recently divorced. I do not feel like XXXX is following good business practices, and is not treating me or the seller fair. This should fall under some type of contracts, and fair business practices, or something. This company should not be allowed to treat people like this. I do n't know what law they have broken, but there has to be some way to stop these banks from making people foreclose on their home even when they have someone willing to purchase it. And they should be reasonable because the house could not even pass the inspection by the city building inspector, and no one else was willing to make the repairs. Now they are stalling trying to make me pull out. Both myself and the seller will lose money on this, and I will not be able to recover the money I spent on the repairs. There should be some laws, or rules that should be followed for short sales. The local real estate market is not doing very well, and this type of thing only makes things worst for people trying to purchase a home. There are still additional repairs that will need to be made before I can even live in the house. I have attached the inspection report for review. 
I have contacted the company to file a complaint, but they told me that I could not do anything without the approval of the seller. They would not provide me with any information about where and how I could file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
I have sent a multiple request asking EQUIFAX how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account. 
XXXX XXXX   : Account number : XXXX,

Company response to consumer: Closed with explanation