BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: In progress
Consumer complaint received 2023-05-17
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX vehicle was repossessed and redeemed. When I redeemed vehicle from towing company capital one hired the brakes were damaged. I almost got into a car accident because brakes were not performing. Notified finance company and they initially advised it was not their problem and that I needed to discuss issue with tow company. I escalated call demanding compensation for undue financial hardship after repossession. They offered to refinance the loan and promised to adjust towing fees on the principle once refinanced and that the adjustment would be made at end of new loan along with old extensions prior to XX/XX/XXXX refinance. 
No adjustments were made as promised at end of loan causing balance to be higher to payback and old extensions fees and were not included into new refinance balance making payback loan terms increase unreasonably. 

original term was XXXX  months paid XXXX  months into terms at time of refinance new terms XXXX as of XX/XX/XXXX amount to be adjusted at time of refinance to come off of balance due to brake issues from tow company {$430.00} at end of loan ( proof of damage attached ) New total loan terms with XXXX  months paid : XXXX XXXX XXXX XXXX XXXX  month extension in XXXX making loan maturity date XX/XX/XXXX no adjustments have been made as promised loan maturity date changed without consumer knowledge new terms online show XXXX  months maturity date XX/XX/XXXX ( company added extensions prior to refinance to new agreement without explaining terms )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: RI
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Paid off acount in full to my bank account and Im trying to get off my Experian credit

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 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately :

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 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-30
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage took out my mortgage payment twice this month. My bank stopped payment on the second mortgage payment which had the same draft data as the first payment. I called Nationstar to notify them of the error and the next day they took the money out again. So my bank covered the funds and removed overdraft fees so the bills i was paying with the funds that Nationstar took out of my account could be paid ( things like electric bill and credit card payments ). Called Nationstar again ( this was before a big snowstorm that would have left me in the red with no funds for supplies ) and they admitted their error and paid back the second mortgage payment funds. My bank then took out their temporary coverage but I am still cleaning up the mess Nationstar made of my finances. I suppose I should consider myself lucky considering what some on this web site have endured. I am so sorry for you and empathize deeply. Doing business via XXXX XXXX is not the way to run a business. BTW my mortgage was first owned by XXXX, then sold to XXXX, which refused a refi after many attempts via federal HAMP program ( 3 years process, lost paperwork-so they say -- numerous times, many different agents, started over and over again ), then sold to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XXXX. Please delete these fraudulent items immediately.

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 2023-10-19
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/ I received an electronic letter saying that 6 of my 11 of my loans were placed on administrative forbearance for the time period XX/XX/ through XX/XX/. On XX/XX/ I received a separate electronic letter saying that my other 5 loans were placed on administrative forbearance for the time period XX/XX/ through XXXX The time periods of the two forbearances do not match. I am worried about defaulting on the 5 loans with the forbearance ending XXXX  because I still have not received a bill for any of my loans. 

Yesterday, I received an electronic letter saying I have been signed up for the SAVE program and and that the scheduled begin date for the plan is XXXX With that start date, I assume I will default on the 5 loans with the forbearance ending XXXX

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 2023-10-18
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sunset Finance of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX Opened : XXXX XXXX XXXX Reported : XXXX XXXX XXXX  Last payment : XX/XX/XXXX Account status : Paid & Current Company made a hard inquiry on my XXXX report on XX/XX/XXXX the same day the last payment was made. 

Reporting a derogatory erroneous account information on my XXXX and XXXX Credit reports even though the account is paid in full and current

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 2023-09-11
Company: EQUIFAX, INC.
State: VA
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received collection calls from Nationstar Mortgage on XXXX XXXX, 2016 at XXXX and XXXX and again on XXXX XXXX, 2016 at XXXX. The first two calls I did not answer because I thought it was a telemarketer. The final call I answered and was advised that my mortgage was 3 months delinquent. My mortgage is current, and has remained current for the entire duration of its term. After checking their records, they said the calls to me were in error and the account is current. They claim the calls were initiated in error due to my recent recast request. The Nationstar website ( screenshot attached ) also shows a delinquency. The rep I spoke with claims my payments were placed in some sort of " holding account '' due to my recast request. I requested the recast because of {$10000.00} in HAMP funds which have been paid towards my principle in the past 5 years. According to HAMP guidelines, I may be eligible for recast to reduce the payments due to these principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: AL
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 have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.

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 2016-01-26
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had for the last 12 month been receiving correspondence offering a refi with the company that holds my property mortgage, Nationstar Mortgage. I called to inquire and was told that although I had received the mailing I was not eligible for the offer to refi. Several months passed and I continued to receive additional offers. I called back and was told that I was in fact eligible and was transferred to a licensed specialist whom proceeded to ask me a series of questions. She determined based on my answers that I was eligible. She asked if she could pull me credit report and I told her I first wanted to know what type of rate and product she could offer me. The representative quoted me rates of " low to mid 3 % for the same 30 yr fixed product '' based on me telling her my credit score was over XXXX. I was EXTREMELY clear that I only wanted her to pull my credit if those were in fact the rates she could get me. She assured me they were. After waiting on hold for about 30 minutes for her to pull my credit report she returned to the line to tell me that although my credit score was very high the best rate she could get me was 4.15 % which is essentially what I have now. I asked her what had happened to the " low 3 's '' she was quoting prior and she proceeded to tell me that " it does n't make sense for you to get that rate you 'd have to pay almost {$20000.00} at closing ''. I then asked if those rates she quoted included paying points which not until after the fact did she stutter and hesitate but did confirm that the rates she originally quoted included points. Had i known that information I would have NEVER authorized her to pull my credit. As a result I now have XXXX hard inquires on my credit reports which I have worked extremely hard to get and maintain. I was given misleading and incorrect information. I was baited for the opportunity for her to write a mortgage. I can not have the inquiry reversed and as result my credit score will drop. In this new environment one would think mortgage companies would exercise extreme caution when quoting rates and giving the consumer correct and ACCURATE information. Plain and simple I was lied to and am extremely upset. I left several messages for XXXX XXXX at ( XXXX ) XXXX whom is the representative 's supervisor only to not get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  account this is no my account someone account i never have house or line or credit 2 wells fargo bank for {$17.00} {$18.00}

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 2016-01-22
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My mortgage was recently sold to Nationstar Mortgage. I am a month behind on my mortgage and have been since before they bought it, I have discussed this with them several times, they know my situation and that I am working to resolve my delinquency. However, since they purchased my account, they have been in nothing but a dogged pursuit of me because I am a month behind. I was receiving relentless phone calls until I blocked their number, I get letters in the mail it seems like every other day, emails, most recently text messages and now they 've had people showing up at my door. I am not in default of my loan, I am a month behind and trying to get caught up, I have told them this several times. This kind of abuse is ridiculous, cruel and needs to stop, it should be criminal for them to harass people like this, especially when I am trying to work with them. The real kicker is that my mortgage was included in my bankruptcy in 2011. If I am not mistaken, I do n't believe they should be calling or harassing me at all as a debt collector. In addition to the abuse, they have begun submitting negative " hits '' on my credit report, I do not believe they can do this either? I have also seen additional fees, I presume they are borne out of financing their harassment regimen, but I do n't believe I should be responsible for those either? This company is out of control and needs to have someone with the ability to end their bullying, do just that, END THE BULLYING. I hope I did n't go through the process of writing this complaint for nothing, please do something to end the abuse of hard working middle class people that have found themselves momentarily down on their luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: IL
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 have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX XXXX violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
We should not have leads sold when we did not ask for our data to be sold. we should not have to opt out over and over and over again. it has caused massive distractions and phone calls that are not authorized.

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