BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I began contacting my mortgage company to see if I could get a loan modification because my husband and I were going to be divorcing. I was told that they could not consider that unless my loan was in default. In that time mortgage company was shut down and turned over to another mortgage holder XXXX who could not help me because they were just getting the loan information entered in their system. I sought legal council because I was not getting anywhere and was told my loan was a XXXX and the courts had not determined how they would be handled. On XXXX XXXX, XXXX I went to mediation with XXXX the first default service assigned to my loan and was told to provide a list of documents for possible loan modification. I provided those and never heard anything. In XXXX the Supreme Court decided on the XXXX cases and I was served again. In the meantime the property was flooded in XXXX of XXXX causing approx. {$30000.00} damage and is still in jeopardy of recurring damages due to poor drainage. We went to mediation and the new servicer NationStar did not come with all their required documentation and the mediator sided in my favor. We went to mediation a third and fourth time always the same outcome the NationStar did not come with their required documents and sent representatives with no authority to negotiate. Now six years later I have been served with foreclosure documents and I do n't think NationStar even now have their required documents to proceed. NationStar even lied to XXXX XXXX at XXXX office they told XXXX they had never received anything from prior mediations. I sent copies of the e-mails to XXXX XXXX who has been trying to help but we are still at an in pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to contact and dispute this account for over 2 years now with no proper verification of this debt. I have sent letters and all valid documents starting in XXXX of XXXX. I finally received a response my second time asking for validation in XXXX of XXXX and was told the Convergent sent all information to sprint XXXX XXXX and is still awaiting a response. Sprint is not responding to the company and the company is not able to send me anything that proves i am responsible for the alleged debt after 2 years of negatively reporting to the credit bureau horribly affecting my credit report. 
I want to be explicitly clear with my request. I have not requested validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. Over the past almost 3 years that I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account open started on the letter shown XX/XX/2020. Supposed creditor is XXXX but the I do not have and have never open a XXXX account before. 

Date of the letter is on XXXX XXXX with a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: CAC Financial Corp
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2015, I went to an emergency room due to XXXX XXXX. I called XXXX and was taken to XXXX XXXX XXXX XXXX in XXXX, Texas. While at the hospital, I was told that the VS would be covering the medical bill 100 %. I was released and I never heard another thing from the hospital or Veteran 's Affairs about the visit or any unpaid bills. I was never called nor did I receive one piece of mail concerning a bill or owed amount. I was recently made aware of the hit against my credit as I am trying to get financing for a new home. I called the credit collection company XXXX XXXX XXXX at XXXX and they said they would not delete the credit reporting without the VA paying the bill. I've called the VA several times at XXXX and XXXX and I get transferred several times and then eventually end up on hold for extended periods of time ( >45 minutes ) and nothing has been resolved with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: PA
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate, unverified and fraudulent item listed on my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to make a {$1100.00} transfer to my grandson using PayPal. In order for the transaction to be completed, he needed to access his PayPal account. When he attempted to access his PayPal account, it opened to the following message - " We noticed some unusual activity ''. Activities for the account was then locked, except for PayPal 's process to " secure '' the account. The secure process required three pieces of information. One, the users email address on file when the Pay Pal account was opened, two, the account users cell phone number on file with Pay Pal, and three, the account users credit card number on file with PayPal. The problem arose because two of the three required pieces of information were not current i.e., the cell phone number on file was from a previous phone that had been long ago disconnected and the email on file had not been used for a long period of time and hence cancelled by XXXX. When the " secure process '' was attempted using the credit card number, the card number checked out, but the secure process required additional steps that required the phone number and/or the email address. Once input, a text or email would have been sent to the disconnected cell or deactivated email account to unlock the PayPal account. Since this was not possible and the transaction could not be completed with my Grandson, PayPal was holding the money. I contacted PayPal using the phone number they provided. I was referred back to the website account by a machine. No human contact can be made. I then filed a dispute. The dispute was denied because " the transaction was processed correctly ''. I again filed a follow-up dispute emphasizing that the transaction was processed, but could not be completed, again I was denied. I then sent a letter and was again denied on the same grounds. The money is in my Grandson 's account of which he can not get into as a result of the discontinued email and cell phone number and we can't talk to anyone to help him reactivate his account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: Avant Holding Company, Inc.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
On or around XX/XX/XXXX there was a fraudulent transaction to my Avant credit card ending in XXXX at a XXXX XXXX in the amount of XXXX and some change I've emailed about XXXX times I've called about XXXX times and the fraud department keeps stating that they don't see any fraudulent transaction on my account when I speak to regular customer service they see the fraudulent transaction I've since been paying on this transaction since the transaction happened I wasn't formed that I have to keep paying for this fraudulent transaction or it's going to impact my credit I've tried countless times to reach out to them left my phone number simply explaining what happened even letting them know all it takes is a 5-minute phone call to straighten this out no one seems to call me back and the only email that they keep replying back to is saying the same thing we don't see any fraudulent transactions on your account but I'm still paying for a transaction that's on my account doesn't make any sense XXXX is the person that's giving me a living nightmare she's supposed to be my investigator that's handling my claim I've even left her voicemails she never calls back never since the fraudulent transaction happened their customer service phone number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
2nd Complaint For Filing a Lawsuit against TransUnion! There is a XXXXDay late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: AL
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:
I applied for a credit card from XXXX XXXXXXXX with XXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.

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 2021-04-20
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have several open instantly closed accounts from XXXX. I personally have never opened an account myself and do not believe these are accurate information. Account XXXX and XXXX both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to XXXX that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to XXXX. 

I have disputed the information on my consumer report with XXXX, XXXX, and Transunion on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by XXXX. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( XXXX XXXX XXXX ) violations being committed but still the information was updated.

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 2019-01-18
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I sent my mortgage payment to Quicken Loans Inc in the amount of {$1000.00}. The due date is XX/XX/XXXX with a 15 day grace period.The due payment was {$780.00}, the balance to go to be applied to the principal. Quicken admits it was received on XX/XX/XXXX, but did not post it until XX/XX/XXXX claiming an unknown problem according to a Customer Service Rep. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX. The statement said that I had not paid for XXXX and billed me {$1500.00}. On XX/XX/XXXX, I called as and spoke to the Customer Service Rep and was informed that they send out the statement on the XXXX as they have to give a " reasonable amount of time '' before the next due date. I pointed out that 1 ) my payment was not late as per the 15 day grace period and that the statement preceded the expiration of the grace period by 15 day. I was passed on to a Mr. XXXX XXXX, Client Executive Advocate. He repeated the same thing. 2 ) Mr XXXX claimed that this change in policy was due to a Regulation 1026.41. I pointed out that the regulation only required a " reasonable amount of time ''. 3 ) My point is that Quicken Loans Inc is sending out statements which are erroneous, and confuse the debtor, making him'her think they have not paid and will send in a double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017 I took out a loan with One Main in XXXX, Ky. That loan was for {$10000.00} on a 4 year payment plan. My total payback was about {$15000.00}. I called today to get a payoff and I was told it was a little over {$4900.00} I called back to ask why the payoff was more than the balance, I was told it was an interest bearing account. When I signed the contract it was an installment. So I went to pull my copy of the contract which they gave to me in a folder and I never actually looked at my copy because I didnt have a reason to. I pulled it today they never actually gave me a copy of my signed contract they only gave me copies of the insurance disclosures. They insist I signed a contract agreeing to interest bearing and I did not and they didnt give me a copy of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
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:
About XXXX of XXXX  I was a victim of identity theft. My credit was damaged by false information submitted by the perpetrator of identity theft and accepted as true by Clarity Services, XXXX. XXXX XXXX, XXXX, FL XXXX. Clarity could easily have determined the information they reported was fraud and false but did not properly investigate and gave me a credit rating of XXXX when the other 3 consumer credit bureaus had my scores at XXXX and above. I don't understand why Clarity accepted the fraudulent information given to them by an identity thief using my name, address, phone number ( also gave a false phone number in a different zip code from my address ), email, and possibly social security number. I did a personal investigation and then turned the matter over to the XXXX XXXX, XXXX XXXX XXXX, which still has an ongoing investigation : Case # XXXX. 

There were other instances of fraud against me but my complaint here is against Clarity, who damaged my credit with XXXX, XXXX & XXXX XXXX XXXX. I was able through a lot of effort to recover my credit rating and then placed a freeze on my accounts. I have an account with CFPB that I submitted on behalf of my son 's credit ( XXXX XXXX ) on an entirely different matter. 

I am attaching documents in this matter which were prepared a little over a year ago and are part of a large file. In the interest of economy I am attaching selected documents which I believe are relevant. If needed, I can provide more information.

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 2022-10-11
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 XXXX XXXXXXXX XXXX Account # 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 The account is Also closed but remains visible and harming my credit score

Company response to consumer: Closed with explanation