BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had received numerous letters from my mortgage company about refinancing, so I contacted in them in XXXX 2015 and completed the application and submitted the required documents. The appraisal was ordered and completed and I was sent a copy. I waited to hear back from the processor as far a closing date. After not hearing a status update for quite sometime I contacted the processor and the processor told me that there were judgements against the property and that was the delay. I was told that as soon as the title was cleared I would go to closing. I have a very common last name and I mentioned that to the processor and also that these judgements were not valid. I monitor my credit every 4 months thru XXXX and nothing had ever appeared on my credit report. Also, I ' am very sure that if these were valid they would have been an issue from the beginning of the process. I was sent a copy of these judgements and none of the names were matches or were even close to my name, social security number or my address. I became frustrated with this process because I was not getting any cooperation from this processor or the title company in clearing the title in order to get this loan request to closing. I was never given the name of the title company and was never contacted by them in order to try to clear up this problem. I sent an email to the processor stating that I was ready to contact the Banking XXXX or any agency that could assist me in getting this problem cleared up. One week later I received a Credit Denial letter stating that there judgements on the tittle and that was the reason for the denial of my loan request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, 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:
While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.

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: TX
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:
My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved as soon as possible.

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all 3 Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities.

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/2021n attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home is in an active Bankruptcy ( BK ) XXXX filed in 2011. Our trustee has made payments to this account for nearly five years. After requesting a loan modification from XXXX, BUT did not accept their terms, and declined this modification. However, Nations Star was ready to approve the modification, although the terms would have placed us in a 40 year loan! Once this modification was rejected, it took several calls and several months before it was removed from our account, which increase our payments to an amount we could not afford. As of today, our trustee has made payments excess of {$60000.00}. 

We have made over 10 calls and have always gotten totally differerent answers and frequent transfers. 
While going into BK, our payment was {$1000.00}. We 've paid our own home owners insurance AND taxes are on a XXXX exemption status. Nationsstar completely disregarded the exemption and sent payments for taxes, although the taxing authority has since returned those funds. We would like Nation Star to return our account to the status of actively making timely payments without an escrow. A posting of payments to our mortgage should be current and up to date, however funds that were paid have not been accounted for and we are requesting a complete investigation and recovery of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions 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 am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurate. The original creditor is XXXX XXXX XXXX, and the reported company on this account is unknown to me. The reported Balance is higher than my recollection, and I dispute the entire account. I request verification of Date Opened and Date of First Delinquency. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX and a Balance of {$0.00} is inaccurately reported as never late. I kindly request that Experian correct this information to accurately reflect that the account was never 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 explanation
Consumer complaint received 2016-07-19
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification with Nationstar Mortgage. Nationstar has modified my mortgage but while on the modification has reported my mortgage being late to the credit company which has caused my credit score to drop to a XXXX. Nationstar has also called me at least XXXX times asking when I was going to make my XX/XX/XXXX payment when my mortgage statement and my poc said no mortgage payment was due until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: U.S. BANCORP
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:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.

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 2023-10-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt Collectors contacted me by text, saying I owed {$170.00}. I called the medical service referenced in the text ( XXXX XXXX XXXX ) and confirmed my bill was paid. The medical service gave me the portal address and steps needed to pull up proof of payment. 
I did not contact the debt collectors because 1 ) the medical service didn't know why I was being contacted by them, and 2 ) I was afraid if I called them, they would then have further access to my phone and everything in it. 
The phone number of the Debt Collectors shows as XXXX The text said to call XXXX or visit www.dbtsolutions.com/make-a-payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: GA
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: Problem with personal statement of dispute

Complaint:
Please delete this account

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 2023-08-20
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  The Vehicle was voluntarily surrendered as it was deemed to have been a hazard on the road -Lemon. The lender took several months to come and pick up the vehicle in which I was handed the document of their receipt of the vehicle. I was advised that once they closed their records they would be forwarding me the final balance owed. Since the reported date of XXXX This action never took place instead they kept the full balance on my credit, I was notified by California DMV that the title of the vehicle was released after I had to send an email showing that I was no longer in possession. I tried contacting the XXXX XXXX XXXX to find out what the final balances were and was told that they would send all of that information once they had closed the record and updated the amount after Auction. This was never done and now over two years later they are refusing to update the balances owed. Also never received collection calls regarding this debt to date. When calling them they don't show my records either. This is affecting me being able to obtain housing as the credit line item states that I owe {$18000.00} which was the amount I had left to the entire loan term, and several requests have been sent for them to correct there records and they all have gone unanswered and I have had 4 dispute attempts with the three credit bureaus. Still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 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 2023-10-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The Bank is " American Express Business Bank '' They received a wire from a client of mine directing to me. First and agent told me that I'd be able to receive the wire without an issue even if it's international. Once they sent it and it never arrived I reached out and they said that Amex can't receive international wires because they don't participate in the swift program so by default the wire couldn't be credited to me so they sent it back. 

That was on XX/XX/23 both the receipt and the refusal from Amex. It is now XX/XX/23 and I have imad numbers from the transaction being sent. But now it's been on hold with the intermediary bank and they have yet to release the funds to the original sending account in the XXXX. When I call XXXX XXXX XXXX which is the intermediary bank they said because I'm not a client I cant tell me the wire info. 

I've called the wire department at the intermediary bank with the wire department at American Express and they said to have Amex send a swift message but Amex does not have swift capabilities so they sent out a secure message which I also have an imad number for but XXXX XXXX XXXXXXXX is not responding. If this money doesn't get back to my clients I will lose their contract due to associated negligence on my part albeit not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 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 2023-11-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Please help us! Lakeview loan servicing/XXXX  will not allow us access to our records. They have been stealing my money. Now I am unable to make a mortgage payment because when I call, Im only told that the company can not access my records either. My husband & I, are first time homebuyers. We have never been late even one time However, the company appears to be keeping our money and/or not distributing our money where it is suppose to go. Now I am unable to make any payment at all, because the company ; lakeviewloanservicingXXXX has experienced a security breach and claims that they are unable to access our account also. Please help! How do we pay our mortgage payment?

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