BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX I WAS NEVER HAS LATE PAYMENTS

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 2023-11-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
8. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
It has come to my attention that my previously filed complaint was closed without providing a satisfactory resolution. 

-- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NY
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX and XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Reference XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank did not make available to my family and I my hard earned paycheck.

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 2023-06-22
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Was charged a extra months payment with late fees because the bank claimed they couldnt locate my payoff from the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX separate occasions Nationstar Mortgage failed to send me statements and XXXX notify me by email or phone that payments were not received. 
On XXXX Nationstar failed to send a statement on account XXXX. 
I mailed in the payment to them and wrote the account number in the memosection of the check. They either did not process the payment or did notreceive it. In any case they made no attempt to reach out in any anyway, either by email or phone call. they did the exact same thing onaccount number XXXX on XXXX. No statement, no call, no emails. 
After 57 years Nationstar is the only negative report I have EVER hadposted to my credit report. I find their practices unethical and believethey should make and attempt to notify the customer so the customer haschance to correct it before it is reported!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: OneMain Finance Corporation
State: OR
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 paid off my remaining loan amount of {$15000.00} and OneMain did not acknowledge it to update my credit profile for XXXX month. OneMain did not release the XXXX for my truck for XXXX month. OneMain knocked my credit report for late payments, decreasing my credit score, even after I paid the loan off. Apart from being a predatory lender, OneMain 's customer service was a joke. While waiting for my title release, I lost out on an offer from someone who was interested in purchasing my truck. Now the value of the truck is decreasing due to forces out of my control. Please take off the late payment reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: NV
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:
My former complaint was not resolved due to incorrect information. The other person who is XXXX XXXX with the same exact name but the first name is spelled differently and we have the exact same birthday. Our info in the Equifax has her name, and her social on my credit report. Equifax only removed the address which was my address and left her social security. I have screen shots as evidence that this is not my credit report. They have made a big breach with that mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2015-08-10
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our client XXXX ( XXXX ) XXXX applied for a short sale through Nationstar in XXXX of 2014. We have had XXXX offers to present to them since the beginning. Instead of reviewing and submitting offers to the investor they continuously put the home on an Auction website called XXXX to solicit for other offers. This is a scam for Nationstar to continue to milk the servicing of this loan and eventually foreclose. They have not received any better or higher offers and they have scared away every buyer we have had by asking them to pay the full offered price plus 5 % on top for a service no one wants to use. Why would a Buyer we have already procured go and bid on a home and pay more for the house? Whats ends up happening is they offer less to make up the difference in the cost. In addition XXXX sets the opening bids low and congratulatesBuyers when they " win '' the Auction. Then the bank turns around and tell us the bid was too low and the investor rejected the offer. We asked that they stop this useless practice and look at the offer at hand, they refuse. They have been sued in the past by other parties because of their fraudulent practices and we are asking that you reach out to them and request they take this matter very seriously. They are wasting the sellers time, every buyer who has come along, our time and the time if their investor. Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complaint with department previously ( Case number : XXXX ). My mortgage company, Nationstar, responded that they " needed more time to respond '' and then CFPB dropped the ball and there is nothing further in the file. The issues have not been resolved. The mortgage company has not granted the promised modification, even after asking me to sign, notarize, resend the documents, and send more payments- all of which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate 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 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 2015-08-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We are in foreclosure with Nationstar/XXXX. We have been in a lawsuit against them for bank fraud that started with XXXX. But they have been ignoring the lawsuit and adding more and more charges including their lawyers fees on us. Even though the banks broke the law several times. They are ready to auction our home off with no remorse for their braking the law. Our refinance was a highly predatory XXXX where the XXXX banker did paper shifting and filed the loan with only one name on it instead of both of us. Also lying about the terms of the loan. Sneaking into it a only interest clause. Then XXXX took over. Our mortgage was so high, it was difficult so we asked for help and was refused. But the bank would call when we were late but would never talk to the wife. And would not explain why. Finally a man from XXXX started to work with ( husband ). The bank never called again. this man convinced him he would have a new mortgage soon and to just wait. But instead we had a note put on the door that they were selling the house. We found out that someone had gone into the XXXX call log and changed our phone # to an old XXXX from before we lived in this county. That way the bank personnel could n't do their job and get a hold of us. We have been waiting for them to respond to a lawsuit but instead they are not responding. They are just going to again put our house up for sale. Even our lawyer has nothing to say. Our XXXX lawyer did the discovery and found a great deal of bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-08-07
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX months ago we submitted a complaint against Nationstar ( case number : XXXX ). They claimed we missed a payment that was automatically withdrawn from our bank account. We provided bank statements to prove the mortgage was paid and with your help, they acknowledged it was their error. 

Last month we got another email saying we missed a mortgage payment. When we called them up and told them CFPB had helped resolve this issue they said it would be fixed. 

Now I got another email telling me we have n't made our mortgage payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This property has sat unoccupied and without maintenance by the Owner/Property Manager for over two years. The Association has had to take over landscape maintenance and spend countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a staggering dollar amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have also stated that the lack of upkeep of this property has negatively impacted the value of their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX 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 2015-06-26
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I tried to contact my bank about the new loans that help with payment shock. Nation Star has failed to answer my question. What I do get is loan officer 's that say they are n't sure about that program but they will refinance me. In fact, Payment Shock Refinancing was listed Under Frank Dodd as an option that banks could use for refinances under the new ATR rule. I have emailed and called several times, starting with the XXXX email on XX/XX/XXXX, then continued to email them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This does n't include the phone calls I have made with the promise to look into the question and get back with me. 
The wrote me back and said that payment shock was an industry term and they did n't know what I was talking about. When I cut and pasted exactly what was in the guidelines they said it would take 30 days to get back with an answer for me. I wrote them well after 30days and they said they were sorry and that they were having a loan officer call me. They still did n't answer my question on if they do this type of loan. I had spoke with several loan officers and they did n't know what I was talking about. I have never received an email or a letter in regard to my question but I have gotten calls to just do a straight refinance, which does n't help me. I need the payment shock refinance as my income last year was lower and I do n't qualify. Plus, I read that under this rule the banks have the option of giving me the same rate and terms as an A+ borrower. 
Nation Star Mortgage is my bank and they have given me no help or guidance and my loan is getting ready to reset and I am afraid what the rate will jump to.

Company response to consumer: Closed with explanation