BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report. I am unable to file a dispute online

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 2023-12-13
Company: Nelnet, Inc.
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/2023, I sent a negotiable instrument via certified mail ( tracking number : XXXX ) to Nelnet XXXX XXXX, a servicer for my student " loans, '' with the intent to discharge the " debt '' on my account for {$20000.00}. This action constitutes a valid tender of payment under the Uniform Commercial Code ( XXXX ) Section XXXX. Despite confirmation of delivery on XX/XX/2023, Nelnet has failed to : Apply my payment to my account : My billing statements continue to reflect an inaccurate balance, neglecting the tendered payment. This violates XXXX XXXX XXXX, which defines a negotiable instrument as " paid '' upon delivery and acceptance. 

Acknowledge receipt of the instrument : I have not received any communication regarding the instrument or its application to my account. This lack of notice of dishonor further strengthens my claim of valid payment under XXXX Section XXXX. 

Correct my credit report : My credit report continues to show late payments, inaccurately reflecting my financial standing despite the timely tender of payment. This violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness. 

Furthermore, I have since opted out of Nelnet sharing my private information and sent a follow-up letter, and email inquiring about the payment and credit reporting discrepancies. My inquiries remain unanswered, potentially constituting a violation of the Consumer Financial Protection Bureau ( CFPB ) Regulations regarding complaint investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX  had a note with Nationstar. The balloon payment was coming due as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  contacted  Nationstar  in  XXXX  of  XXXX . Nationstar advised  XXXX   XXXX  to continue making his monthly payment and Nationstar would work with him on getting the balloon payment refinanced.  XXXX   XXXX  continued to send monthly payments in  XXXX ,  XXXX ,  XXXX  and  XXXX . In  XXXX  Nationstar returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and they would no longer accept payments.  XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit reporting agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 days delinquent even though  XXXX   XXXX  made the payments.   We contacted  Nationstar  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However, Nastionstar made an aoral agreement to accept payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make the payments. The credit report however says he failed to make the  XXXX  payment in the amount of {$770.00}, despite the fact that he make a payment of {$800.00}. Further he sent Nationstar the  XXXX  and  XXXX  payments, Nationstar is reporting them not made because they were returned. We have disputed the information with Nationstar,  XXXX ,  XXXX , and   XXXX  .  Nationstar  continues to insist the reporting was correct despite having received the payments in  XXXX ,  XXXX , and  XXXX  and being proved proof of the sent payments.  XXXX   XXXX  has been denied credit because of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX ( Finance ) CAPITAL ONE ( Bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Goldman Sachs 's AppleCard. Is it a scam? In the number of times that I've applied for this card, the application comes back declined due to ineligibility. I've read the eligibility requirements and found that I've met eligibility requirements the whole time to apply and reapply if I believed there was an error. Then it gives me another denial reason of, " you've applied a number of times and we can not verify your information at this time. '' I've talked with their customer service representatives just to have them state previous reasons for denial, different from the reasons I receive on my end. I ask them if they needed my assistance in verifying information required in order to possibly receive a more favorable decision, they said it has something to do with the way the information is presented on my application. My application is prefilled for me through my phone 's memory and do not see any mistakes so how am I ineligible or unverifiable when my credit is better than it was upon prior approval? Credit score is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  sold my mortgage to  Nationstar  in  XXXX   XXXX . All terms remained the same and I was paying {$1500.00} a month  (  {$320.00} escrow included  ). A ll taxes paid by  XXXX  before sale for the year  XXXX . In  XXXX   XXXX   Nationstar  paid my county-town tax for {$1200.00}. My school tax is not due till  XXXX   XXXX  for {$3900.00}. MY CLAIM IS  Nationstar  says I have. {$2900.00} escrow shortage. By the time  XXXX  comes I would have accumulated {$3200.00} and only be {$700.00} short. They immediately spread payments over 12 months and my new payment since  XXXX  is now {$1700.00}. This is a {$230.00} increase that is creating a burden for me, I am a  XXXX    XXXX   living off of  XXXX  compensation and the additional {$230.00} a month is a lot for me to sacrifice. I have made numerous calls faxes emails but not one can give me a straight answer, and they sent escrows analysis and the numbers are not consistent. I just want my payment to go back to normal ... .please help me. Thank You  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$12000.00}.

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 non-monetary relief
Consumer complaint received 2023-11-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
On XX/XX/, I received another letter from Citizens Bank, where I have a checking account and two credit card accounts, telling me I am pre-qualified for a HELOC. I have received several of these letters but have mostly disregarded it. This time, however, I realized that my getting these letters was potentially a problem. Looking at the letter, it says that I am pre-qualified and given a prospective credit rate based on my " strong credit score '' and that the offer is " on the basis of [ Citizen Bank 's ] knowledge of you as a customer and your standard customer credit profile. '' This is a bit of a red flag to me, because, per Section 604 ( e ) of the FCRA, I opted to be excluded from lists that would provide credit information for such pre-qualifications for what the FCRA calls " a credit or insurance transaction that is not initiated by the consumer. '' It is possible that they are basing the pre-qualification based on information they have via my opened accounts, but they should not be able to get my credit score from an XXXX for this purpose. I called multiple customer service lines to get clarification and no one was able to offer it. I asked for a way to submit consumer complaints to the bank and no one was aware of any way to submit such a complaint. 

I am concerned for the potential for the following : an XXXX is providing my credit score in violation of section 604 ( e ) of the FCRA and/or Citizens Bank is compiling a credit score internally which I'm not sure is appropriate under the FCRA. They may also not be a credit score involved in this pre-qualification, just a risk score based on my accounts with them, but they were not able to verify that and their communication states otherwise. If there is no credit scoring involved in these offers, they should update their communications to be more accurate. Furthermore, I am concerned that bank employees are not able to answer that question and are unable to provide a means to submit a consumer complaint. I was also unable to find a way to submit a complaint online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I believe there's a chance that XXXX loan payments I made to this account were not properly credited, based on the fact that the remaining balance never changed after both payments. 

After a payment of {$23.00} on XX/XX/2023, my remaining balance showed as {$18000.00}, which I assume is accurate and I have no reason to dispute that number. 

But on XX/XX/XXXX, I made a payment of {$8.00}, yet the remaining balance on the loan only went down by XXXX XXXX, to {$18000.00}. 

On XX/XX/XXXX, I made a payment of {$8.00}, and my remaining balance remained the same, showing {$18000.00}. 

I did call the company to inquire and the agents said they saw the payments and did not know why the balance did not change. 

Unsatisfied with the lack of clarity on why the balance didn't change after XXXX payments, I am seeking the CFPB 's assistance in getting the loan company to appropriately address this. 

The balance may have been correct and there may not have been error on Light Stream 's part, but I'd like someone to see my attached screenshot and just explain that to me. Or, if there was possibly an error on their part, I'd like them to acknowledge it and correct it. 

Thank you for looking in to this matter!

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX is reporting incorrect personal information such as my name and addresses. 
My name is or have never been the following : XXXX, XXXX, XXXX, XXXX I have never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also reporting inaccurate accounts on my credit report - XXXX  and XXXX XXXX ; I have reached out to these companies and they have not responded to me. I'm trying figure out why is XXXX reporting inaccurate information. These 2 accounts are not mine. 

Not to mention there are 15 inquiries that are not mine. Which tells me that someone has been trying to open accounts in my name. 

Transunion is reporting a XXXX account that does not belong to me. 

Please assist me with get this matter resolved. I need your help because XXXX and Transunion along with the companies are not responding. I shouldn't be made to suffer something that I have no idea about.

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 2023-12-12
Company: FIRST PORTFOLIO SERVICING INC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is in violation on my consumer right that don't follow the FCRA laws. This company reports yo the credit bureaus telling them they verified the account which shows there has been no correct updates to to show that the account been verified. I also can show that the debt they referring to was transferred to another lender so how could that account be verified and still showing on my credit file. I have proof of many descriptions showing the misleading information they continue to report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: FL
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:
Ive requested XXXX equifax and XXXX to remove accounts that I wasnt aware of, theres XXXX credit cards and collection on my credit report that Im not aware of. Ive already put in a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NY
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 am writing to convey my profound DISSATISFACTION with your recent assertions concerning my accounts. I am REJECTING these claims due to the absence of any substantive facts or evidence supporting your allegations. Therefore, I strongly encourage you to promptly initiate a comprehensive inquiry into these matters. I demand that you expeditiously challenge these accounts and furnish me with well-documented evidence substantiating your stance. Failing to do so will leave me with no alternative but to pursue legal action to safeguard my rights and rectify this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: PA
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:
On XX/XX/23, I received a letter of rejection for a credit card from Wells Fargo. I did not apply for this credit card. I called Wells Fargo at XXXX to inquire about the request. They submitted a fraud report to the credit bureaus and suggested that I submit a complain with the FTC.

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 2023-12-18
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am constantly being locked out of my venmo account, when I try to sign in it will just literally not let me and I have a lot of money sitting in there, essentially they are withholding me from my funds, it has caused me so much problems so over this not being able to access my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I had a HELOC agreement with Truist dated XX/XX/XXXX ( which will be attached ). On XXXX, XXXX we entered a new agreement and this previous loan/lien was paid off. The other file attached will show an Internal Payoff-HELCOC for {$110000.00} as well as the account number they paid off. 

However, it is over 6 months later and it is still showing as an active lien with the County Clerk.

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 2023-11-07
Company: EQUIFAX, 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: AZ
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 response to consumer: Closed with non-monetary relief