BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company. 

There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I am REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act. 

Also please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
I am writing to formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information. 


2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXXXXXX XXXX XXXXXXXX 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. 

I trust that XXXX, XXXX and Transunion will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe.

Sincerely,

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 2020-09-24
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Awar Holding Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Company is contacting me both on my personal cell phone and at my current workplace for a business debt from another company. They call both numbers every single day. I've already informed them to stop contacting me and that they are inviolation of the CFPB and FDCPA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00}

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 2023-08-19
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: 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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Altisource Portfolio Solutions, S.à r.l.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX I requested XXXX XXXX terminate my agreement. After terminating the agreement they, continued to send me bills to my home under the name " XXXX XXXX XXXX '' at my address. 

I ignored the bills since they are not addressed to me. 

However, they escalated this by sending it to a collection agency. The company is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IA is sending me a bill for {$120.00}. 
Account Number : XXXX NCI ID : XXXX Original Creditor : XXXX XXXX XXXX Number XXXX Account Balance {$120.00} Date XX/XX/XXXX The original XXXX bill was {$100.00}. 
Any Assistance would be greatly appreciated.

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 2016-06-29
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ON aprx XXXX I filed a formal complaint against nationstar mortgage reguarding my escrow my cfpb case # given to me was XXXX turns out after seeing my new mortgage statement this company has shorted me XXXX in my escrow when I called them i talked to a person in another country and they cant resolve the problem. this company still has not resolved the first problem cause they still say I am short in my escrow and I am not! and they still want me to pay more money then I agreed to pay back to XXXX I was given 55 months to pay XXXX per mon when we remodified our mortgage. It appears the CFPB has not helped me resolve this matter cause nationstar mortgage does not take complaints seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Airline card with {$450.00} fee was canceled in the 30 day renewal window. Agent confirmed on the phone that the fee would be refunded in full within two billing cycles. Multiple calls and chat sessions with Citibank agents who promised fee refund but that has not been the case.

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: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX Acct XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
I am writing today in regards to my account with Barclays Bank Account # XXXX The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021. Due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.

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 2021-10-05
Company: EQUIFAX, INC.
State: VA
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 dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a modification in XX/XX/XXXX and have made all my payments on time. I got married after I got the mortgage so the name on the modification forms were incorrect and the notary the mortgage company would not notarize them. I had sent in all the documents to have them change my name on the loan, several times. As time passed I called several times asking for the corrected documents but never received them. Now the mortgage company is saying my modification was not approved and put my home back into foreclosure with a sale date of XX/XX/XXXX. The mortgage company told me last week to have a friend to notarize the documents with my maiden name and send them in and they will TRY to process them. Is there anything I can do at this time to stop the foreclosure. All my modification payments from XX/XX/XXXX to now have be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: Account status incorrect

Complaint:
I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on XXXX, but XXXX shows XXXXXXXX XXXX  XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: TN
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:
This is a reply to compliant number XXXX. The reporting agency stated the information was accurate. Equifax sent me documents stating the bankruptcy was verified through XXXX XXXX. My consumer report with XXXX XXXX has a freeze on it, so that can not be how they verified the inaccurate bankruptcy they're reporting. They violate 15 U.S.Code 1681e ( b ) compliance and procedures. Accuracy of report. This inaccurate information needs to be removed. This is my fourth attempt to have them rectify the situation and it's causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was using cashapp for bills and other small payments between my roommates sent a friend money for food and cashapp immediately blocked the transaction and is now locking me out of my account i have made multiple attempts at contacting them to which they never replied if I didn't have money on the account it wouldn't be a big deal but I need my money my bills are now past due and I cant get a response doing some research online im not the only one that they are doing this too and it seems to be an ongoing problem please help I havent had access to my money in over a week

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Morgtage needs to be reviewed, monitored and stopped in reference to : 1. Harassing inappropriate communication with mortgage holders. 
2. Inappropriate statements being sent to foreclosed mortgage holders. 
3. Unwillingness to work with HUD housing counselor - lack of knowledge on how HARP works, how foreclosure works and over all mortgage process for up to date assistance to mortgage holders. 
Nationstar bought my mortgage in XXXX XXXX and final foreclosure occurred on my property in XXXX XXXX. I was forced into bankruptcy XX/XX/XXXX and the bankruptcy was finalized in XX/XX/XXXX, which canceled my complete mortgage debt bought by Nationstar. Even though my property was foreclosed on in XXXX XXXX and my bankruptcy canceled my mortgage debt ... .Nationstar continues to contact me by phone and letters. There is NO reason for this contact and months after the finalized foreclosure if my property this contact is HARASSMENT! 
Nationstar is also sending inappropriate, misleading financial statements expecting payment for fees and charges Nationstar has accrued due to the foreclosure of my property. Even though Nationstar calls the statement " Informational '' these fees and charges are NOT MY RESPONSIBILITY - so what right does mortgage companies have for sending out misleading and false statements? 
" INFORMATIONAL STATEMENTS '' are wrong and must be stopped ... .how much money has mortgage companies gained from knowledgeable highly targeted seniors???? 
In discussion with housing counselor in WA state I was told to send Nationstar a certified USPS letter telling Nationstar to stop all communication immediately. Nationstar has ignored my letter and has stepped up contact by sending more letter even documents for escrow ... .why????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received mail from XXXX saying a last payment was sent to a debt collector. I called XXXX to inform them that Ive never opened a phone account with them and that this is a result of identify theft. XXXX connected me to the debt collector. The debt collector said there is nothing they can do and that I have to pay the debt. Ive submitted a police report as well as submitting a compliment with XXXX XXXX insuring that this was not my debt and my identity was taken. Ive been on a XXXX  line with my aunt since XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Convergent Resources, Inc.
State: TX
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 not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

I have not received confirmation nor certified testimony that your officers complied with the FCRA and all its mandated rules, when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in Exhibit C are in fact complaint and not subterfuge? As a result, I`m willing to settle this debt immediately at 80 % per the total balance. ( copy from the Affidavit attached ) ************

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 2016-07-05
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage company had scheduled a home inspection on XXXX XXXX 2016, the mortgage companies representative fail to come for the home inspection. Therefore I sent a letter via fax to have the funds released. Now the mortgage company is stating that I need to reschedule the inspection. Why when they failed to show up for the inspection and to top it off MY ACCOUNT WILLED BE BILLED FOR THE INSPECTION. Several times I have requested information stating why I am to pay for the inspection when Nation Star is requesting the inspection they have yet to send me any correspondence. They refuse to release the remaining funds so the contractor can get paid. PLEASE HELP ME NAIONSTAR MORTGAGE COMPANY IS GIVING ME THE RUN AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Shellpoint Partners, LLC
State: CT
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:
Newrez doing business as shell point mortgage servicing reported a fraudulent account number of XXXX on my credit report and I did not sign nor authorize this. There is an active dispute with them since XX/XX//22 as well as a cease-and-desist letter, but they are still reporting inaccurate, unverified information while the dispute is active. I have asked for validation several times and they refused to validate their alleged claim. I asked them to show authority to collect and proof I owe a debt. They have not proved that either.

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