BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT TBOM/VT # XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX XXXX XXXX THEFT 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 The XXXX XXXX XXXX, XXXX XXXX, I am once again requesting that someone from XXXX please help me resolve the issue with my mortgage. 
I have been working with the XXXXXXXX XXXX XXXXXXXX XXXX  and they are willing to assist me in saving my home, but I will need the following assistance : 1. I will need the block to be removed from my account so payments can be made. 
2. I need to know the total outstanding balance so I can be sure to have the appropriate money available. 
I have still not heard from XXXX at the XXXX XXXX XXXX who placed the block on my account. XXXX stopped from her end in XX/XX/2023. XXXX XXXX  XXXX is ready to assist so it is imperative that someone communicate with me immediately. 
I would like someone from your office to check into my case with XXXX and get back to me so I might know where I stand with the bank. I would appreciate this courtesy. 
You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-10-05
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with a money management bank account in an app called Albert. I recently got a new debit card from my bank I linked to Albert and all of a sudden it UNLINKED my bank. They told me to relink my account as well as my new debit card. I performed this on XX/XX/XXXX. It is now XX/XX/XXXX and it's still giving me an issue. So I decided I want to close my Albert account. According to them to do that I need to withdraw all the money that I have saved in that account so that it can be XXXX. I have done this but there's still a {$1.00} left in my account. On Albert. However upon checking my bank I've noticed that Albert did indeed actually deposit the money into my account but it's still showing up on Albert that I have a positive balance of a dollar XXXX. Not only that but it's still not connecting my bank account so that I can withdraw the funds. They have been absolutely no help at all I find it very odd and quite disparaging that one little change I made to my account cause them to completely unlink my bank account and is making it ridiculously difficult to really get back. I am beyond upset and disgusted with this company I do not want to do business with them anymore but they are refusing to close the accounts let alone their system is just not accepting information that is credible in regards to relinking my checking account from which my income comes from. It's has been a very frustrating and unprofessional experience I've had with them and I do not want to ever do business with them ever again but for whatever reason there are refusing to close my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to TARGET/TD XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or TARGET/TD 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Systems Inc placed this collection account on my XXXX, XXXX and XXXX credit reports without any notification. They have not validated this debit.

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 2016-11-14
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My mortgage company is Nation Star Mortgage i tried to refinance my mortgage to find out when a credit check was performed Nation Star has on my credit report that i have a home equity loan on my first mortgage i do not i took out a home equity loan for XXXX dollars XXXX XXXX company it was paid off i explain the to Nation Star. XXXX transferred my loan to XXXX almost two years ago i do not know if they have me mixed up with someone else i told Nation star the problem and i have been getting the run around from these people. I can not get any kind of help with my mortgage until they straighten this mess out i have the documentation that my loan was paid off and i ask Nation Star to show me where i signed for an first mortgage they could not i need help with these people they are difficult to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}

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 2023-07-13
Company: Experian Information Solutions Inc.
State: WV
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 paid my XXXX  XXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.

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 2016-11-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
nationstar mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under XXXX on a mortgage loan that was settled in XX/XX/XXXX by XXXX through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through XXXX to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold ) to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows two or more of these charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchase a new vehicle ( XXXX XXXX XXXX # XXXX ) and financed with Chrysler Capital who turned out to be entier nightmare for my entire Lease and the last 6 months of my Lease, I was given inadequate statements reflecting the wrong amounts which also conflicted with their online platform payment amounts. I called repeatedly and spoke to representatives and supervisors to provide me with the correct amount and was assured every time that it would be corrected and was provided a different amount but that it was the correct amount to be current. But despite me providing the amount that I was given, I was still marked late and I would have to call back the following month to get the issue resolved again or at least I thought. After months of this back and forth I cried to a representative of how this is ruining my credit history and she explained that for some reason the payments were being inputted wrong in their system and was being applied to the interest but not the principal and therefore making me short and then the system would report me late on my payments. I asked if this problem could be reported nad fixed and nothing was ever done and in fact the nightmare would appear the next month. Finally in XXXX the nightmare ended when my Lease was over and I also had to pay close to {$1000.00} to end my Lease but the worst part is that it ruined my credit as they furnished late payments on my credit report and sent it to other consumer reporting companies. It has been years but this still has ruined my credit which was by no fault of mine but of their numerous systemic errors that they knew of these inaccuracies and never made an attempt to fix them. When Chrysler Capital furnished inaccurate negative consumer information to XXXX, XXXX and XXXX it negatively affected my access to credit and purchasing a new home with a competitive interest rate. Chrysler Capital violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by failing to promptly update and correct information it furnished to consumer reporting companies even after all my phone calls and repeated disputes. They continued to furnish inaccurate and incomplete information and to modify or delete information that I continued to dispute. They need to be held accountable for their inaccuracy and integrity of information provided to consumer reporting companies. These FCRA violations also constituted violations of the Consumer Financial Protection Act of 2010 ( CFPA ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Trans union investigated my identity theft by removing the fraudulent account but then charged me with opening and closing the account by knocking my credit score down by 60 points when I re-explained to them that it was identity theft in the first place.

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 2023-10-05
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I just got paid this morning. I called Rocket Mortgage to make 1 payment. As of the first I became 4 payments past due. The rep advised that due to FHA guidelines they can not accept 1 payment to get me back to only owing 3 payments until I can get paid again. Unfortunately I dont make enough to make 2 payments today. However not allowing me to make a payment today is only continuing to keep me further behind. My company is not allowing overtime which plays a significant role concerning my paycheck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number XXXX XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

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 2023-10-25
Company: Sklar Law LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from XXXX Sklar Law and looked up the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX : XXXX Fax : XXXX A women stated she was from the law firm and I have a bill of {$2900.00}. from XXXX  and she wanted to set up a plan for payments. 

I asked her who the company was and she said XXXX XXXX XXXX XXXX  ( I think ) and something else and I said I don't know who they are. She then replied that I received a compression device and she would send me an email with the information. I told her I have insurance and she replied that they didn't submit the bill to insurance. 

I replied " I was told by my insurance that I do not owe anything ''. 
She then said " first you said you don't know who they are and now you say you don't owe anything ''. 

I replied again and asked her the date again, which she said the entire date in XXXX and I advised her that I had many bills from that procedure and called the insurance and they called the provider in which they admitted that I do not owe anything and the conversations has been recorded and that's how I know. I also told her not to try to get cute with me and she then said " we will see you in court '' and hung up. 

As she was trying to catch me in a lie, she lied by saying they didn't send the bill to insurance but also asked for the Explanation of Benefits. 

Please note : I have never received a bill from this company and no calls from the provider so, I do not know why it would go to collections after more than 3 years when they never tired to collect. Also, they could have at least tried to put in a claim in with the insurance. So, after one call, they threaten to take me to court? Therefore, it appears to be a scam. I have called my insurance company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had hail damage in XXXX and insurance did there part now nationstar mortgage has had my funds since XXXX and it is now XXXX. I 've sent over every document they have asked for and in XXXX they sent one check and asked for the same paperwork that was submitted with the contractor amount so I sent that so they would release the remaining amount and they approved the paperwork and when they sent the check they put somebody else 's name on it so I called and returned it and was told that they were going to burn it and resend another one but three weeks later they want the same paperwork I 've already sent and then the representative tells me that he sees in the notes that everything is there and that he is getting it approved and then I get notified by email that the check was released and then when I receive it, it is a very small portion and has the same wrong name on it. These guys are terrible at there job. Need help cause I 'm tired of dealing with XXXX who tell you one thing and then something different happens

Company response to consumer: Closed with explanation