BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Loancare regarding foreclosure alternatives and have submitted documents to be reviewed for assistance. After a few months, I was informed on XX/XX/2019 that I was approved for a trial modification from a representative named XXXX. I was told by XXXX the approval was being generated and would be mailed to me. I then called on XX/XX/2019 to see where the approval was as I had not received it only to be told the approval was never generated because they needed a proof of occupancy. The representative admitted that although she see notes indicating a proof of occupancy is needed, only one call was placed to me and nothing thereafter. I never received a call/voice message or document informing me I needed to provide that information as I have no issues providing what is needed.I was told this error would be sent to her supervisor to get the file re-opened so I can continue with the approval. I immediately emailed the proof of occupancy on XX/XX/XXXX and when I called back on XX/XX/2019 to follow up I was told the email was never received when in fact I had proof. I then emailed it directly to the representative I was speaking with XXXX whom advised she would be submitting a request to her supervisor to ensure this information gets to the underwriter so they can review the errors that occurred. I called back again on XX/XX/2019 to be told the " appeal '' is still being reviewed and can take up 30 days to make a decision. I am now worried they will not provide with the approval based upon the events that have taken place. I am ready to make my trial payment but they will not let me. I just want to move forward from all this.

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 2017-07-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
All attempts to settle the account and make payment are attached below. The company Chrysler Capital failed to respond to ALL document presentments as well as has taken the personal property and has kept the financial instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 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
Consumer complaint received 2017-04-13
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i had trouble with nation star mortgage for over a whole year to resolve a simple issue to remove a litigation code from a file in their dept that was removed already and verified by another supervisor. they would n't give me any info on the file even though i did n't have any council assigned. now after a year i got to talk with them after the code was removed i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with niece. this doc was available in across. I downloaded the doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 weeks now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The money source, as well as the original lender of this loan -- '' XXXX XXXX '' -- -. Since XXXX of the year 2020, has repeatedly made changes to my account without my consent. After 2 years of complaints to the each company, ALL my complaints were ignored. Now, my ability to obtain credit has been hindered/ restricted due to the fact that changes were made to my account -WITHOUT MY CONSENT. My mortgage account was put into forbearance without my permission. Now because of these companies actions, I am unable to obtain any new credit account. I have enclosed proof of my application for new credit which was denied based solely on the actions of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: Information belongs to someone else

Complaint:
these two accounts ( documents attached ), are not mine, i have been disputing these two inaccurate accounts for the longest time, i have called equifax so many times that i have lost count, this is inaccurate and haunting experience, this can not go on like this, please have this inaccuracies removed from my equifax credit reports. 
they are literately saying they can not help me in this matter, please, i beg of you this is not a good experience that someone would be taking for the longest time. 
please find attached the documents and as consumer please i need you help to have these inaccuracies removed thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, I switched from XXXX XXXX to XXXX XXXX XXXX XXXX. 

I have a letter from XXXX confirming that my account has been disconnected with the last day of service being XX/XX/XXXX. 

I received a new bill for payment on XX/XX/XXXX - XX/XX/XXXX for {$760.00}. 

In XXXX ( date unknown ), I spoke to a XXXX XXXX Customer Service Representative and requested to dispute the payment. The customer service agent hung up on me. 

Again, on XX/XX/XXXX, I called XXXX XXXX Customer Service to address and dispute this bill. I was told that they could not help me and transferred me to XXXX XXXX- the website they provided was XXXX. I waited on the call to talk to a representative, but no one answered. When I tried to call back, I could not speak to a person. I called XXXX XXXX back again and explained this situation and the rep I talked to ( XXXX XXXX said that she could not help. 

So I have been waiting for another official communication which I finally received this Friday by XXXX ( received Friday, XX/XX/XXXX ). This communication came from RPM ( Receivables Performance Management LLC ) - Reference Number XXXX. 

The letter says I have XXXX to notify the office to dispute the validity. HOWEVER, The letter is dated as XX/XX/XXXX. I will not be able to submit my dispute in time if they go by this date and not the date of receipt. 

In the meantime, I would like to protect myself and will fully dispute this bill in full ( now {$830.00} ). I also assume they have reported to the credit agencies. In the meantime, I will send a letter ( which will likely be received well after the XXXX from the XX/XX/XXXX date they indicated in the letter ), but will also send an email copying this note to you at the CFPB. 

I am attaching the documents I referenced above. Additionally, I am showing proof of payment from my credit card that shows that I paid my previous bills ( there are no outstanding bills since I had had auto-payment set up ). My last payment to XXXX XXXX was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.

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 2021-12-13
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00}

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 2017-07-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I originally had loans with XXXX XXXX. I was never notified of my loans being sold to navient. Navient is not correctly reporting my loans to my credit bureau, nor did they explain to me repayment. I was under the impression all of my loans were in repayment plan, because when I signed up that 's what I was told. Apparently only 4 were in the program. I would have never only put some loans in repayment I wanted them all in repayment that was the purpose of repayment plan. Navient never discussed with me. I have been repaying for close to 4 years now and my credit is awful because I was n't aware that I was n't repaying everything. Navient does not have their info correct either when it comes to calling them for information. Student loans are crippling enough on their own, the company servicing themy should be helpful not a hinderence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2021-06-15
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management , LP, improperly applied a debt belong to my mother to my credit report. I provided them with information that the debt was not mine and they returned a message confirming that they would no longer pursue the debt. However, after my requests, they have failed to remove the debt from my credit report. Since XX/XX/XXXX, they have confirmed that I do not all the debt but have failed to remove it from my report. Both a debt collector and the company originating the debt confirm that I am not the account holder and that the collection should not be on my credit report. The debt collector information is as follows The Offices of Credit Management , LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. I am in the process of onboarding to a new job and this inaccurate collections information negatively reflects on my reputation. Credit management LP has had more than enough time to remove this negative mark for my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I purchased airfare ticket for {$360.00} on Sunday, XX/XX/2020, XXXX XXXX ( Email Receipt attached EXHIBIT A ) with my frontier Credit Card however on Monday, XX/XX/2020, XXXX XXXX  CDT Frontier Airline sent an email informing that the flight has been disrupted and a portion of your itinerary need to be rebooked ( Email attached EXHIBIT B ), due to frontier airline disruption all my other plans like hotel booking and car booking was also disrupted and i ended up loosing all my reservations whose booking were non refundable. 

I called Frontier airline same day for the number that was provided on email and waited 5 hours before i was connected to a agent, after talking to the agent and then escalating the call to her supervision frontier airlines denied refunding the funds back to my credited card and instead gibing me travel credit for 6 months which i explained that the trip was planned for my family who was visiting from XXXX for XXXX so i cant use that travel credit since Frontier airline disturbed the flight this was also a violation DOT ( Dept of of Transportation ) regulations issued recently for airlines to strictly follow for full refunds on the disrupted flights. 

I gave them all the references but the call centered was located in XXXX and they kept saying that they dint have any updated regulations from there management and they are bound to follow there airline rules for which i said DOT supersedes airlines rules as they are regulators in USA but they keep arguing and didn't listen or act on any proof that i provided from DOT and kept blaming that its a part of flight that is disrupted and we can rebook it and never were able to understand the real issue that my family is gone back to XXXX now and we cant use it any way. 

After a long 2 hour conversation they rudely disconnected the call, i called again and waited 3 hours and they had the same argument again and wouldn't even listen or follow DOT guidelines and kept twisting and rebooking my airfare in the form of travel credit and saying i cant get it refunded caz i already took travel credit which was false statement as they made me do every thing and then trap me so i cant get a refund

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 2021-12-13
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Morning, Back in XX/XX/XXXX, I applied for a loan Modification through American Servicing Company whom was a 3rd party to Wells Fargo and was approved, However in XX/XX/XXXX I sustained a life changing injury and while dealing with this situation it appears as though WELLS FARGO submitted a debt of cancellation to the IRS, in the amount of XXXX as this appears to be income on my end. Well due to various things going on in my life, I finally contacted Wells Fargo around XX/XX/XXXX and spoke with a Customer Service Manager name XXXX /XXXX in their California XXXXXXXXXXXX in regarding this situation. .I explained that this matter needs some kind of correspondence no later than XXXX XXXX, then the called my number on XXXX XXXX but did not leave a message, So when I returned their call the XXXX XXXX ext XXXX that they assigned this issue to was not available as a matter of fact I still have not spoken to the representative assign to this issue or his manager. It is now XX/XX/XXXX and not only have I not received any correspondence from anyone @ WELLS FARGO, But when calling XXXX and I spoke with another representative, whom attempted to tell me that XXXX XXXX had called my number on XX/XX/XXXX @ XXXX but chose not to leave a message stating that there was no voicemail on my number. Which I knew was an incorrect statement. And to add more salt to the injury, When I called XXXX they could not even locate my previous loan # in their system anymore. I am very upset about this situation due because I really feel that Wells Fargo is doing this deliberately to make my life hard.I say this because back in XX/XX/XXXX I purchased a XXXX XXXX and in the middle of my loan some how Wells Fargo was able to purchase my loan just as they did my mortgage and it was a totally nightmare. After paying them double the amount that I initially purchase the vehicle for they attempted to tell me that I still owed them an additional {$5000.00} and when I declined to give them anymore money then they refused to provide me my pink slip after collecting double the amount of the vehicle. And now they want to report an illegal amount to the IRS for a loan modification and I really feel that this is retaliation because they were not able to extort any additional funds from me in reference to the vehicle that I purchased back in XX/XX/XXXX. I want this major issue resolved through the IRS as well I am requesting assistance with obtaining my title as well for the vehicle that I purchase back in XX/XX/XXXX because I have nothing but problems with WELLS FARGO for EVERY TIME they placed their name on any loan that I have obtained. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation