BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX of Caliber Home Loans promised me a {$250.00} XXXX gift card if I refinanced my mortgage with them. He promised an email containing this once I lock in my interest rate. This email never came. I asked XXXX about it and he was not much help, multiple times on XX/XX/XXXX and XX/XX/XXXX. I emailed his supervisor XXXX XXXX on XX/XX/XXXX per request of XXXX with no response. I emailed XXXX again about it XX/XX/XXXX with no meaningful response. I feel that they have lied to me to get me to enter into a financial product for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately

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 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted documents to all three credit bureaus reporting the XXXX XXXX account is paid in full. Transunion just sent me my disputed credit report saying I still owe {$140.00} on this credit card. The correct balance is {$0.00}. I mailed my documents to all three credit bureaus via certified mail at my cost, and they still do not get it correct.

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 2015-09-09
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have repeatedly requested information from Nationstar regarding their alleged right to service my mortgage. I have sent numerous validation requests, QWR 's, as well as letters to the CEO regarding the inconsistent, misleading, and disturbing information I have received from Nationstar. I have several documents from Nationstar with claims that they are servicing this mortgage for different entities at the same time. As a consumer, I have the right to make sure that I am paying the correct entity who has the right to collect. I have made numerous phone calls to Nationstar and each time I receive different information. It is no secret that there is rampant mortgage fraud going on in this country and I am trying to protect my family becoming victims to this fraud. Nationstar has also charged my family monthly for inspections that were never done. They refuse to correct or explain why we were charged for inspections. My latest request for information was sent to Nationstar CEO XXXX XXXX hoping that he could shed some light on the misinformation coming from his company. During calls to Nationstar they mislead consumers as to whether they are a debt collector or not. After repeated questioning about why they state " At times Nationstar may act as a debt collector '', they reluctantly indulge that they are a debt collector. This is very misleading to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: JPMORGAN CHASE & CO.
State: IL
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:
On or about XX/XX/2021 I tried to pay the parking after a Dr. appointment with united Explorer MileagePlus Visa with Chase this card I have been using for more than 40 years the account is current and good standing, the amount was {$12.00}, for no reason the payment was declined, that was embarrassing and made unnecessary delay and exposure to traffic delay, I rushed to my clinic and I was shocked when I saw a note " Online '' the at my account is closed!, I called the customer service and they did not give any ligament reason to close the account, the violated their agreement and caused damage for my integrity and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor filed a 1099, how are they able to collect from multiple sources.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: Account information incorrect

Complaint:
See attached account detail : US DEPARTMENT OF EDUCATION This account being reported by Equifax is a COLLECTION ACCOUNT. 
PER FCRA GUIDELINES, A COLLECTION ACCOUNT CAN NOT REPORT A MONTHLY PAYMENT HISTORY. 

Account is also reporting as an INSTALLMENT LOAN and states SINGLE PMT LOAN This account is not an INSTALLMENT LOAN. 

Equifax last report on XX/XX/2018 showing account as 120 day late in XX/XX/2018 ACCOUNT WAS PAID IN FULL ON XX/XX/2018, AND FAILS TO REFLECT THAT ANYWHERE. PER FCRA GUIDELINES, MONTHLY REPORTING ON A COLLECTION ACCOUNT IS A VIOLATION. 

I have disputed these facts with Equifax and to this date, they have not corrected/deleted disputed information. 

Equifax states that Dept of Education has verified information reporting. However, Equifax is violating the FCRA by reporting an account as both a collection account AND also an installment loan. A " method of verification '' request was given and was never responded to. 

SEE ATTACHED EQUIFAX REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
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: Information belongs to someone else

Complaint:
I have accounts on my credit report for Experian that are not my accounts. These accounts were opened up without my knowledge and are fraudulent. The accounts are listed below. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of 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 2023-09-25
Company: EdFinancial Services
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I dont understand how I have any delinquency on either of my student loans when the started coming due I set it up that I would not have to Pay anything back for a few years. Shortly after they became delinquent for a couple months then back to in good standing. I never missed a payment and would like that reflected in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections and Outsourcing sent me a collection letter to let me know an apartment complex I lived in before had placed on my name. When I reached out to FCO to find out they had no idea what this collection was for. I had paid a deposit to " Suredeposit '' when I first moved into this building and if anything happened at the end, I was supposed to pay that company any difference. There was no damage to the apartment as I had the carpet washed and all wall repainted. This collection was supposedly to replace the carpet. When I talked to FCO 's agent, XXXX XXXX, she said that she was not sure why that collection was sent to them before me being told about the debt. It's only a {$450.00} but the amount is not the problem, the problem is that when I applied for a place XXXX months ago, I was DENIED because of this collections since it's a " apartment rental '' related collection. Though this was for a carpet, when people look at it, they only see where it comes from and it could be a number of things such as unpaid rent, or utilities, which is not a good look for other apartment rental companies. 
Now to make things worse, last month around XXXX XXXX, they reported another collection on my credit reports on all XXXX bureaus. This new collection was a new account but this time the creditor is the apartment complex, for the same amount, {$450.00}. when I spoke to this XXXX XXXX, she also mentioned that this account was owed to them and also to the building. So now, they're trying to double dip XXXX collections for XXXX with different collection account, from XXXX different places. XXXX also mentioned that this seemed to be wrongfully reported and that she would check and would get back in touch with me within a couple days. I have never received any more letters from FCO since this call. Only action taken from them was reporting that second account to the credit bureaus. This move was extremely shady. I disputed these account with all XXXX bureaus and they deleted XXXX, but the other one still remains. 

This malicious reporting and Fair Collections and Outsourcing seems to be trying to only damage people livelihoods as I can not get a place to live because this collection is on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BARCLAYS BANK DELAWARE is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BARCLAYS BANK DELAWARE along with a notarized affidavit claiming fraud. BARCLAYS BANK DELAWARE is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BARCLAYS BANK DELAWARE to close their files which have any information with my name & social on it ...

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 2018-07-30
Company: CITIBANK, N.A.
State: MI
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:
Cbna Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this credito

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 2019-10-26
Company: Mr. Cooper Group Inc.
State: MI
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:
We had a mortgage with Pacific Union Mortgage opened in XXXX and closed in XXXX due to the company being sold. Since then, the new company, Nation Start, Mr. Cooper has been updating my old status incorrectly. They keep adding late payments to my old account that are inaccurate. I have tried to resolve this, but every time I contact them requesting verification they simply go into my account and change my status to a worse payment history. My account is reporting incorrect payment history that needs to be deleted. The account needs to be updated to never late or deleted as I have asked repeatedly for verification of payment history and they refuse to provide it, but it seems out of spite, they are making my account status worse every time I ask for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Franklin Collection Service, 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:
Disputed an unknown collections account from a company I have never been credited with. Disputed and was somehow verified. Now they are flagging my account every 3-4 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it might concern, My name is XXXX XXXX, I am XXXX year old, I am discharged from BK chapter XXXX in XX/XX/XXXX. My loan number with Nationstar is XXXX XXXX XXXX. XX/XX/XXXX released from hospital, I received XXXX non-certify mails of Nationstar that XXXX referred to XXXX, a foreclosure corporation to foreclosed my home. I am not certain what stage of foreclosure I am at but I determine to keep my only home. I am devastated. I made a payment of around {$2200.00} on or about XX/XX/XXXX. Nationstar rep said after paying the {$2200.00}, it would take my home out of foreclosure zone, and that they would not pursue foreclosure proceeding, and this letter was written in XX/XX/XXXX. I have fulfilled my obligation in the financial hardship. I request all my history payments, all fees added on to loan, and promissory note to be deliver to my home. I had foreclosure rescue fraud before with some modification company and had to file BK chapter XXXX to save my only home. I have before request the principle to be recalculate because the amount does not equivalent to my number. I thorough review the fees and Nationstar tend to add on misc fees and penalties and that I feel only make my loan higher in Principle, I am not well at all time as I am older, my children 's and my own retirement income is helping me paying all expenses. At this time, I wish to seek principle reduction with a fixed interest. I am requesting a minimum USD I can pay to bring my loan current. I feel I am in trap of miscellaneous fees that add up to XXXX and XXXX of dollars, over time, add up. I need to keep my home and not worry about strange fees add to my loan. I would like to know what 's my minimum amount to bring my loan current. I request principle reduction. I am looking into all foreclosure prevention options. Thank you and looking forward to hear from you soon. 

XXXX, CA XXXX ( XXXX ) XXXX XXXX, or ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: NATIONSTAR MORTGAGE LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir or Madam, I 'm writing to get some assistance in dealing with Nationstar Mortgage. I modified my mortgage with them in XXXX, which was quite an ordeal because they lost my documents numerous times and caused 9 months delay, causing more interest and they added {$3000.00} in attorney 's fees. They added {$4300.00} capitalized to the balance of my loan at that time to correct the escrow account. There was no shortage until they started adding approximately {$160.00} each month as a cushion to my escrow account. That 's over {$1900.00} a year of my money that they are using. 
My issue with them currently is that they will not allow me to pay my home insurance and taxes directly. A year ago I started paying taxes and insurance directly because Nationsta r was cushioning my escrow account in excess of maximum that the Maine State law allows. I sent them a statement telling them I would be paying directly and why. I asked for a waiver form to cancel my escrow account and proof that my insurance was paid for the next year and continued to request this every month while I also sent proof of my tax and insurance payments. Nationstar is in violation of Section 10 of the RESPA which states the limits on escrow accounts. Please see the XXXX pages of documents I have attached to this complaint to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Servicing of my mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX XXXX, 2014. 
Since that time I have not received any monthly statements. I have had an attorney helping me submit information to obtain a loan modification under HAMP. While we do this, the foreclosure action on my house has been suspended. 
I recently wrote what I believe was a " Qualified Writen Request '' for information. They wrote back providing some answers, but not answers to all my inquiries. 
I have writen to them again, asking for clarification on the interest rate, as they sent me a letter showing it at 9.375 %, which is clearly higher than the XXXX rate plus the 6-month Libor rate, adjusted semi-annually, that the mortgage states as the interest rate. 
I am now asking you to help me obtain this information, as Nationstar has not provided what I need, and I am concerned about getting the information I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Marlette Funding, LLC
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:
Name. XXXX XXXX Address. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Tx XXXX Email Address. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 

15 U.S.C 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
After applying for a mortgage with my current mortgage lender, this lender pulled my Experian credit report. This is fine and expected. 

Experian sold my information to a different mortgage lender who has called me, unsolicited. This is not fine. I do not want to be harassed, nor do I feel comfortable with my financial info and social security info being sold to random companies. This is personal. I was under the impression that companies such as Experian were supposed to protect my privacy, not sell my privacy. This is disgusting and I feel violated. 

I attempted to contact Experian. However, their customer service is set up in a way to prohibit customers from getting serviced by a human person. Given that I have XXXX  health challenges that make it difficult to type as I am forced to do now to explain myself, I needed to speak with a human. This was not possible using the customer service number provided on their website, 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