BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: Round Up Ventures, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2023, I disputed and submitted complaints in regard to a fraudulent loan debt on my credit report. After providing evidence that my identity had been stolen for almost 10 years and that I was granted a confidential name change, XXXX closed the loan as fraudulent and removed it from my credit report. XXXX had sold the debt to XXXX XXXX XXXX who was also reporting the same debt, this too was removed. 

However, the debt is now being reported again by another company called XXXX XXXX XXXX which is an affiliate of XXXX. After XXXX sent me a letter stating they closed the account and would stop reporting, the debt was then sold to another company that is now reporting it. This is unacceptable and unlawful to report a debt that was documented as closed and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
These alleged accounts are being reported to my consumer report without my consent In the form of a " charge off ''. The IRS identifies a " charge off '' as income for which I should have received a 1099C. I have not received a 1099C nor does incomes suppose to be reported to consumer reports! Therefore in accordance to the FCRA, please remove these account from my consumer report. You have an obligation to protect my right to privacy and to ensure my consumer report is fair and equitable to me at all times.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
i have reviewed my credit report and found there are several inaccurate data points within my personal identification which Experian along with XXXX are reporting. 
8 U.S.Code 1305 Notices Of Change of Address, on XXXXXXXX XXXX i am requesting the following : My only name is XXXX XXXX XXXX XXXX delete/remove any other name you are reporting that does not match. only have one name on account. 
My only address is XXXX XXXX XXXX XXXX XXXX, Michigan XXXX remove any address that does not match this address My only social security number is XXXX Please remove all telephone numbers and employment contact. 
Both credit agencies has put me in a XXXX place as far as getting transportation Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX Date : XXXX These two agencies has refuse to follow The ( FCRA ) and report accurate information. 
I am asking that cfpb make sure that these reporting agencies implement the correct information on my credit report.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After XXXX XXXX  of being a XXXX customer this bank failed me and my family very badly. Failure to communicate that a account had gone in negative and would be charged off. My wife called after getting a letter stating account was overdrafted on XXXX. The banker told her how much it would be to clear account up but not the date would be a charge off. We paid the balance to correct the negative balance at that point of paying i was told my account was getting charged off XXXX bank said policy is to notify you 30 days late then charge off soon after that. You get the notice on day XXXX plus in the mail then day XXXX XXXX it's charged off. My problem is nobody called saying hey this is courtesy call, your account about to be charged off. My problem is that the bank wasn't clear on the time frame to pay but negatively affected my credit without proper notice. Around day XXXX something no call just a XXXX time letter .I 'm a XXXX  XXXX  customer with no problem before with my account. I believe so more than that letter, I paid account on that day then waiting in the line found on my account was charged off.

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 2016-03-15
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have repeatedly asked for justification of a deferred balance, Nationstar Mortgage has on my home. Nationstar is either unwilling or unable to provide an amortization of how my payments have been applied and how much interest I am actually paying - I have XXXX complaints all with extensions by Nationstar - Per my conversation today with XXXX ( # XXXX XXXX - they need a XXXX extension as they have not yet resolved the information and can provide no update

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
From XXXX XXXX XXXX Dear Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of several hard inquiries from my credit report. I recently reviewed my credit report and noticed that there are multiple hard inquiries listed, which I believe are negatively impacting my credit score. I believe they are as a result of a data breach at XXXX. 
I understand that hard inquiries occur when a potential creditor or lender checks my credit report as part of their decision-making process for granting credit or loans. However, I have reason to believe that some of these inquiries may have been made without my consent or knowledge, and this fraudulent in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the following hard inquiries be removed from my credit report Please note that I have also disputed these inquiries with the respective creditors or lenders and have not received any satisfactory response. 
I understand that the removal of hard inquiries is not always possible, but I hope that you can help me resolve this matter. 
I would like to request that you respond to my request within the next 30 days, as per the FCRA.. 
Please remove these inquiries as soon as possible so that I can maintain a good credit history. 
Thank you for your prompt attention to this matter. 
I appreciate your cooperation in resolving this issue. 

Sincerely, XXXX 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 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CAPITAL ONE Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A, 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 : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 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.

Delete the accounts below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, XXXX, and XXXX, XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score. 

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately! 

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, 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 2016-03-10
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX XXXX, Nationstar has contacted me several times to present. Initially, I would accept the calls. The requested information would always be the same. Starting XXXX XXXX, I asked Nationstar representatives why was it necessary for them to contact me since my profile had not changed. They would same to me, we are updating your file. To me, this did n't make since because I can update my profile online at Nationstar website because I have a user id and password. I have requested Nationstar to stop calling me in regards to this matter. However, my requests are being ignored. 

Thank you in advance for assisting me in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.

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 2016-03-10
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was originally with XXXX and was eventually taken over by XXXX XXXX XXXX. XXXX XXXX XXXX would allow me to cancel my PMI and not charge me for an appraisal when the loan to value qualified to remove the PMI. Nationstar bought my mortgage without my approval and they are requiring I may {$450.00} for an appraisal to remove the PMI. I think this is a racket and should be illegal to change the terms of the servicing of my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-03-10
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
the ins funds and funds from the trustee are not being posted to my account while i have completed the forms nation star has requested me to complete to have the funds posted. i requested a payoff and the amount i was a fraud amount the pay off is showing XXXX i was told they would not post the funds to my account at all that they would use these funds for other charges .. there are no other charges on this account as the entire amount was in bk XXXX from spring leaf

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 6 years my mortgage payment including escrow has fluctuated between {$1200.00} and {$1400.00}. My most recent statement from Nationstar mortgage states they are raising my payment to {$2200.00} ( we have a fixed rate ), and I have a {$6500.00} escrow shortfall. How can a mortgage company justify such a huge increase, we borrowed the amount we did because that is what we can afford, now they are trying to charge us an amount that would be sufficient for a $ XXXX house when we only borrowed $ XXXX, this is almost double and highly impractical. I do feel that both our mortgage company and home insurance company are practicing predatory lending and unfair charges. I would like to have both companies contacted ( which I 've done ) to find out how they justify these extreme price/payment increases. Below is what I 've sent to the mortgage company already. 

How do you end up with a shortage of {$6500.00}, when that is the yearly total of my insurance and property tax? There is definitely something fishy with your estimation and payments of my ins. and tax. For instance my insurance is due once a year for a total of {$5100.00}, which you paid in XX/XX/XXXX or XX/XX/XXXX, and my property taxes barely exceed {$2000.00} for the year. If you paid these already there is no way I 'm that far in the whole. Secondly, how do you expect a borrower to just come up with {$6600.00}? And charging {$1200.00} a month for escrow is insane on a mortgage that is barely $ XXXX. You have definitely made an error somewhere and you need to recalculate. I 'm going to write the FCC and any and all other governmental agencies that monitor Mortgage lenders and protect borrowers from predatory lending as this is not fair at all. You may also want to consider contacting my insurance as they mistakenly billed again the {$5100.00} in XX/XX/XXXX or XX/XX/XXXX which I called them on and they reversed as it was paid in XX/XX/XXXX or XX/XX/XXXX, if you paid that twice that would explain the shortfall and that should not be passed on to my wife and I in such an extreme matter as you are doing. Either Nationstar or XXXX need to improve the payable & recieveable departments or both!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Purchases a XXXX XXXX  lawnmower for {$3.00} XXXX on XX/XX/XXXX upon delivery the lawnmower was broken so we returned it to the store. On XX/XX/XXXX Lowes gave a credit in the amount of {$3100.00}. Leaving a difference of {$380.00}. We contacted them SEVERAL TIMES but nothing happened. My credit report dropped XXXX points because of the increase so I contacted them again on XX/XX/XXXX spoke with Name XXXX XXXX Id : XXXX Will submit to credit bureau Real balance is {$660.00} Who also contacted the Service Warranty department. Still today XX/XX/2023 Im being charged for a warranty for a return item and paying interest. I dont know what to do! My credit has suffered and I am suffering financially and I have no one to help! I dont have money for a lawyer please help!

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 2023-12-10
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting 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. 

Contact callers ( XXXX XXXX ) : # XXXX 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 infor mation 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.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
As NY state resident, all paid collection or Charge off account can not be reported on credit report after 5 years of First date of Delinquency, in my case it was XX/XX/2018, I tried to dispute that issue with the company and credit bureau, but I still have this account reported on my credit history .NY state law 380-J.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 XXXX acct XXXX XXXXXXXX, XXXX XXXX XXXX acct XXXX XXXXXXXX and XXXX XXXX acct XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.

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