BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Spring Oaks Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
NationStar is playing the victim instead of actually reviewed my account. They were then and even now. I received a letter from them in the mail on XXXX XXXX, 2015. The letter is dated XXXX XXXX, 2015. My question is, how long did it sit on someone 's desk before actually being placed in the mail to be sent to me. In my opinion, seems as though they know these type of issues are time sensitive, so they hold it as long as they can, so by the time it makes it to the customers it 's already to late. With that being said they said in the letter, that their goal is to provide a response no later than XXXX XXXX, 2015. In my opinion, they only sent this letter because they were contacted by you all at Consumer Financial Protection and Nationstar is just trying to make themselves look good. They know that they are a bunch of crooks, preying on the low-income family member. Not fair, not fair at all. I hope that someone could really review my case and take care of this. I was cheated and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Service has violated my right to privacy, FDCPA, FCRA. 
They have no permission or authority to access my credit information nor were they given written permission by me to furnish any information to my report on anything that allegedly pertains to me. Furthermore no jurisdiction exists for them to even collect on an alleged third party debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company had a random man hand out a fake summons to court. He rang my doorbell and handed my minor a paper. The document said it was received on XX/XX/2023 but today is XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have previously submitted documents to Nationstar Mortgage asking that my interest rate be modified from 6.25 % to 3 %. After all this is not an outrageous request ; many homeowners have had this rate for YEARS due to the Great Recession. I also sent themall the documents they required AND amortization schedules with 2.8 %, 3 % and 3.2 % and the respective payment amount. Nothing. I am in bankruptcy, I have the care of my XXXX year old mother who has XXXX, I had to take an early, MEDICAL retirement, meaning that I now exist on XXXX % of my full-time rate of pay, and when my father died in XXXX of 2013 my older brother stole their money and some possessions. We are STILL engaged in a lawsuit against him. I say STILL because we ( my younger brother and myself ) had the very bad misfortune to get a XXXX of a lawyer who did NOTHING! What should have taken 6 months is going on past TWO YEARS. I have been drained of just about every asset I have ever had, and we can not move forward and close that case until as have the funds to do so. Luckily my aunt left me in her will and I, and my brother have a few thousand coming from that. As I said, a year ago I was ready and willing to make the changes in my mortgage payments. I also have a XXXX mortgage with XXXX. They are just weeks away from foreclosure, too. Why do n't these companies cooperate? I am NOT demanding anything extreme. Now, however, it will take balloon payments to satisfy all of their penalties and missed payments ( XXXX especially ). Please help me find someone to help strong-arm these guys into helping me. It is a lot worse now than it was a year ago, and with everything else I am dealing with it is OVERWHELMING. Will you please get them to cooperate. You did when I complained to XXXX, but not very much. I really need an agency that can take my case, put on the brakes and get this all worked out. Unfortunately it just might be too late. This will also throw my daughter out on the street. She does work, but we all know that the market for employment has just barely begun to improve. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 # USBK COURT XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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.

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 2023-11-14
Company: EQUIFAX, INC.
State: VA
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:
Filed a dispute according to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practice Act ( FDCPA ). I asked Equifax to provide my signature authorizing them to provide said credit report to others without my consent. Also, to remove all negative information from my Equifax Credit Reports without providing the original contract with my " wet signature '', the original credit grantor 's authorization to any debt collector for the alledged debts, and providing detailed validation of the alledged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX account # XXXX, professional debt me account # XXXX, XXXX XXXX and account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: Duvera Billing Services, LLC
State: FL
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:
Iam writing to dispute an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports with the credit bureau : Duvera billing service, closed on XX/XX/2021 XXXX, XXXX, XXXX This debt is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) which states that a consumer has the right to dispute incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit was affected by a credit card I didnt use

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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Company: EQUIFAX, INC.
State: GA
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$20.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$390.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXX ARKANSAS XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AmericanCollectionsEnterprise is reporting an erroneous account to the credit bureau. I do not owe any money to AmericanCollectionsEnterprise nor do I have a contract with them. Furthermore, I do not owe any medical bills. This account is ruining my otherwise good credit score. I never received validation of this alleged debt. The only way I knew about this account was from Credit monitoring app. They have no right to cause such damage. It's unfair and illegal to report invalid accounts. Its been long enough. Please delete this account 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 2022-09-25
Company: Experian Information Solutions Inc.
State: AL
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX/Hard inquiry XXXX XXXX XXXXHard inquiry 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 explanation
Consumer complaint received 2023-09-21
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I sent MOHELA as well as studentaid.gov proof of public service for the State of Arkansas in hopes that they would forgive my loans. I have never been in a position to repay the loans and I have always worked for the State of Arkansas and made less than {$40000.00} per year. I have had to file bankruptcy twice due to caring for a XXXXXXXX XXXX and being terminated because I had to be off work due to his illness. I was told that I could not add the loans in bankruptcy. I would like the loans forgiven. I had provided proof of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a dispute letter to XXXX Experian and XXXX  to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to 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 2023-06-20
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called LVNV Funding LLC and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft then the customer service representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: LA
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-11-21
Company: General Mortgage Capital Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I sent a check ( ck # XXXX ; {$3100.00} ) for my XXXX mortgage to General Mortgage Capital Company in the beginning of XXXX, and the check was cashed by them on XX/XX/2023. After I sent my XXXX check to them, I received a letter from them that my mortgage was transfer to XXXX XXXX and the payment we paid to General Mortgage Capital Company will be transferfed to XXXX XXXX. Then, I realized that the payment did not transfer to my new loan company, and I started to call General Mortgage and submitted proof of check withdrawal to confirm my payment on XX/XX/2023. Based on the phone call, the CSR from General Mortgage told me that they need to confirm if they have received my payment. If they have received it, it might take XXXX  months to complete the transaction. Then I keep calling to follow up with them, but still no update. The last time I call General Mortgage was on XX/XX/2023. The customer service from General Mortgage told me that they confirmed they did not receive my payment. I was so shocked at that time. Then I called the bank and told them the situation and tried to dispute this transaction. However, after the banker checked on my case, he said this check was cashed by General Mortgage Capital Corporation which is the same with the title on my check. The XXXX bank is unable to stop this payment. Seems like my money disappeared after General Mortgage XXXX XXXX cashed the check. I have attached all the documents, like proof of check withdrawal, letter form General Mortgage Capital Company that showed they did not receive my payment and did not apply the check amount to my mortgage account.. 
Please let me know if you need more information from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Charges were made at a XXXX or XXXX on Monday XXXX XXXX do not have the amount. I phoned Wells Fargo that day and reported the fraudulent charge. ( I received a text alert that a suspicious charge had occurred ) today I received a letter that their fraud department thinks the charge was valid. It is not, I did not make this charge, nor did anyone else in my home or family. 

I appreciate any help you can give me. Thank you so much.

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 2023-11-22
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this to address an inconsistency in my credit report concerning an account that has been removed by XXXX and XXXX due to an identified error. I am baffled by the verification process undertaken by your bureau, especially considering that other credit bureaus have successfully removed this account from their records. I kindly request that you conduct a thorough review of this account, taking into account the information provided by XXXX and XXXX, and the subsequent removal of the account from their records. According to credit reporting laws, inaccurate, erroneous, incomplete, or unverifiable information should be promptly rectified. Here are the account details : XXXX & XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I urge you to delete this account from my credit file, as it is now inaccurate and has been acknowledged as such by XXXX and XXXX.

Company response to consumer: Closed with explanation