BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
**** NEW CRIMINAL /COMPLIANCE CHARGES ~ XX/XX/XXXX - XX/XX/XXXX WE STILL HAVE NOT RECEIVED A SINGLE MONTHLY STATEMENT IN THE MAIL AS REQUIRED BY LAW IN 2016. THAT TIME PERIOD INDCULDES XX/XX/XXXX TO XX/XX/XXXX. 

THE NOTICES STOPPED WHEN WE DISCOVERED AND FOUGHT THE LOAN FRAUD AND THE ILLEGAL COLLECTION ACTIONS BEGAN AND HAVE NOT STOPPED WE HAVE NOW HAD 5 DIFFERENT REQUESTS TO MAKE A {$1400.00} PAYMENT WITHOUT A WRITTEN EXPLANATION AS REQUIRED BY LAW IN JUST 4 YEARS. ( OUR PAYMENT WAS FRAUDULENTLY DISCLOSED AS {$840.00} USING ESCROW FRAUD ) ALTHOUGH OUR LOAN IS CURRENT, NATIONSTAR IS STILL INTENT ON STEALING THIS WIDOW 'S HOME FROM HER AND THEY ARE NOT GIVING ME THE OPPORTUNITY TO PAY MY LOAN WHILE I FIGHT THE OBVIOUS AND PROVEN FRAUD WE HAVE ASKED FOR MONTHLY STATEMENTS OVER 75 TIMES. IT WAS ASKED FOR IN PREVIOUS CFPB FILINGS AND THEY ARE STILL NOT COMPLYING. 

WHEN ASKED, NATIONSTAR REPS SAID, OVER AND OVER, " WE DO N'T HAVE TO MAIL OUT MONTHLY STATEMENTS '' THEY ARE INTENTIONALLY DEFRAUDING CONSUMERS AND THE FEDERAL GOV THIS IS PROVEN THE MOST RECENT REQUEST FOR A {$1400.00} PAYMENT WITHOUT WRITTEN EXPLANATION WAS THIS MONTH. AS OF XX/XX/XXXX ... NO MONTHLY STATEMENTS HAVE BEEN MAILED TO XXXX XXXX XXXX XXXX FL. THEIR DISREGARD FOR THE LAW AND CONSUMER RIGHTS SETS A NEW LOW FOR AMERICAN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I wanted to pay off the card for a reduced amount because I have been paying on this card for years about {$100.00} a month. And I haven't used it for at least three years or more as well but the amount go up or stay the same. I know I used the card and the money. But I asked them for a little help with a smaller payment for a few months they wanted more. So I stared making payments I could afford and they close the account so I couldn't make any payments. So I was getting a home equity loan to pay off the card and I called in for a amount they would take to close the account. I got an amount but I'm XXXX  and I have XXXX and I had a XXXX after I talked to them and I can't find the amount I wrote down. And now they want me to go back to making payments even smaller ones now. I feel they are taking advantage of me I just want to be done with them. They force me to use my SSN # after I gave them all the information they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: NC
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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to XXXX status ( Paid As Agreed Never Late ) according to consumer protection laws.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Subject : Complaint Letter Fraudulent Account Removal Due to Identity Theft To Whom It XXXX Concern, I am writing to file a formal complaint against credit bureaus for their failure to remove a fraudulent account from my credit report despite my identity theft claim. 

I discovered an unauthorized account listed on my credit report : Creditor : XXXX  XXXX Account Number : XXXX Balance : {$4300.00} I did not open this account nor did I authorize any transactions related to it. It is evident that my personal information has been used without my consent, leading to a clear case of identity theft. 

Upon identifying this issue, I immediately reported the fraudulent account to authorties and the credit bureaus and provided all necessary documentation to validate my claim, including : A identity theft report from FTC A valid police report detailing the identity theft Copies of my identification ( drivers license, social security card ) However, credit bureaus have not taken the appropriate steps to investigate my claim and remove the fraudulent account. The continued listing of this unauthorized account has caused significant harm to my credit score and has placed undue stress and financial burden on me. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and for fraudulent accounts to be removed in a timely manner. 

Therefore, I am seeking the CFPBs assistance to ensure that credit bureaues adhere to the FCRA and promptly remove the fraudulent account from my credit report. I am requesting a correction of my credit records and an updated copy of my credit report upon resolution. 

I am willing to provide any further information or documentation as needed. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 state a consumer report 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
Consumer complaint received 2023-10-23
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: Account information incorrect

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Money Management International, Inc.
State: MI
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2023 I enrolled in a debt management program ( DMP ) with Money Management International ( MMI ). I included 3 XXXX XXXX credit cards in the DMP. two of the card 's due dates were XXXX and the other was XXXX. before enrolling in the program I advised my counselor XXXX that I would not make the payments for XXXX since I was enrolling in the program. He stated that would be fine because the creditor would receive the payment from MMI in XXXX. I had no idea that MMI would not send the payment to XXXX XXXX until the XXXX of XXXX. I also had no idea that because they were sending the payments so late after my due date I would become overdue with my payments and that I would be reported to the credit bureau as 30 days late with my payments. The purpose of enrolling in the DMP was to protect my credit not to destroy it. This has caused my credit score to drop. I have made several calls to MMI the people are not knowledgeable at all. No one wants to assist me. I was told by one rep at MMI to change my due date with the creditor unfortunately I can not do that because the account is closed. I feel like I was not presented with all of the information that I needed when enrolling in the DMP. I've asked to speak with a supervisor and no one has called me back. This is extremely frustrating. I had to make an extra payment of {$130.00} on today to bring all three cards current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Today, I called Synchrony Bank to ask if they could send me a copy of the full and detailed Transaction Account History for my store branded XXXX XXXX card that I obtained through them several years ago. 

The customer service representative refused to send it to me. He repeated stated that this account ( along with my XXXX XXXX XXXX XXXX  branded card with them ) have been charged off, so he will not be able to send that information to me. He suggested that I contact the collection agency that has this XXXXXXXX XXXX account, although no collection agency has reached out to me regarding this card - Synchrony Bank is still reporting the CO status on my credit report monthly ( last time was XX/XX/2023 ). 

I contacted Synchrony Bank directly to inquire about receiving the complete and unabridged versions of my Transaction History Reports for these two store branded credit cards, because I am certain that Synchrony Bank has overcharged me throughout the length of time that I had these cards open with them - I just want to verify the application of the interest, principal, and fees. They did not meet that request.

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 2023-10-30
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lendmark Financial continues to call my employer. My human resources department and any line in the company. They are harassing my family with daily phone calls as well. I have sent numerous communication via email and told them on phone to cease calling. this has not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CITIBANK, N.A.
State: OH
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:
According to the federal credit bureau This creditor XXXX and Citi bank visa credit card have violated my right. 

In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to

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 2023-11-25
Company: CCS Financial Services, Inc.
State: VA
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 ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX was reporting to all credit agencies that I was over the credit limit. They updated only XXXX. XXXX and Experian has not been updated.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2023-11-08
Company: EQUIFAX, INC.
State: NC
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a motorcyle in 2006 and the dealership financed it through HSBC. I paid it off in XX/XX/XXXX and sent a small refund for overpayment on XX/XX/XXXX. In XXXX of XXXX I decided to sell my motorcycles and get duplicate titles. I learned the HSBC still has a XXXXien on my bike and I had to have then issue a " lein release ''. have called HSBC repeatedly and sent the letters for the lien release. I have not had any response from my letters and I have been repeatedly put on hold then ultimately disconnected. The last letter I sent via their instructions has also been met with no response. HSBC has not only been unhelpful they have been dismissive as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Its been one year and this company has continued to report fraudulent information, it has damaged my credit and life I will be seeking legal action against this company as well. I want the fraudulent accounts removed from my credit report 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 2022-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I NEVER gave You or XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, Equifax, and XXXX is violating consumer law by reporting late payments on my credit report, which is violating consumer law 15 U.S. Code 1666b- Timing of Payments. I would like for them to stop violating the law and follow my U.S. consumer law rights established by the U.S. congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company failed to pay taxes out of our escrow account. The taxes are now 7 months behind. We have been in constant contact with the mortgage company in the past 7 months. We were assured it was paid over and over several times by the mortgage company.. Several times. Have now received a letter from a lawyer for the city, stating they are going to begin the process of foreclosure if we do not pay the overdue taxes. 
Mortgage company is Nation Star Mortgage. Note we have NEVER missed a mortgage payment OR been late OR not paid in full our monthly mortgage payment. We also have email documents back and forth from the company saying the taxes were paid. And they still have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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

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 2023-10-30
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo again. They can't treat me any better, disrespectful, rude, transferred around and always defensive customer service representatives and higher level people. My bank contacted with a letter saying I did not authorize any payments, need be refunded back, TOLD WELLS FARGO CHECK ONLY BE RECEIVING FOR PAYMENTS. Unauthorized personal loan and credit card, which wells fargo can't get thru heads. The security officer fr XXXX XXXX calls me and accused me of acting threatening, well I'm threatened by this company and their departments. Wells fargo blames, accuses, make me the XXXX and bad guy of situation. I still see no refund of Unauthorized payments to wells fargo credit card. my case worker # XXXX still can't return calls or there agents can't send the message to contact me, never happens. ALL THE PAYMENTS FROM XXXX XXXX NOT MINE AND OVER {$5700.00} NEEDS TO BE REFUNDED STILL.

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