BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Ally Financial has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet Ally failed to respond accurately and actually contradicted itself in both responses. 

Ally account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with Ally on resolving the corporate failure to pay. As terms of that settlement Ally agreed to remove the trade line info from my personal credit history once payment agreed to was made. Allys terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but ALLY claimed to have no records of the payment. We needed to go to our bank and request proof Ally cashed the check. That transaction came back as cashed XXXX. Once we showed proof to ally they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer. 

Ally came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report. 

I am asking the CFPB investigate into Ally for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.

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 2016-01-16
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notification from Nationstar Mortgage informing me they had no record of my renters insurance for the coop apartment I own. Included was notice they purchased insurance in my absence, placed a balance due on my escrow account and intended to raise my monthly mortgage payment to cover this charge. I never received any prior notice of this, and I do in fact have current insurance I purchased from XXXX which I renew each year. After contacting Nationstar, a rep told me since they had taken over my mortgage from XXXX, some things were not settled and still being worked out, but they had no record of my coverage and claim to have contacted me previously by mail. I asked to e-mail proof of my coverage to them to resolve this, and they said it must be faxed. I asked to speak to a manager, was put on hold and hung up on seconds later. I faxed proof of my current, valid and fully paid insurance payment, with a letter requesting written notice of resolution of this matter, and have received no response. A follow up call to Nationstar resulted in me being hung up on XXXX without ever even reaching a rep after long waits to speak to a rep. I 've owned this coop apartment for over 7 years and never had any problem with this insurance issue when XXXX held my mortgage. It should not be my responsibility to fix Nationstar 's errors when they purchased my mortgage, but I have made a good faith effort to do so. Nationstar is difficult to contact, uncooperative ( how could they possibly refuse an e-mail confirmation of insurance coverage in this day and age? ), has failed to respond to my providing the required documents and has entered into an insurance contract to cover my property, without my knowledge or consent, which should be illegal. I am requesting that my account be cleared of this matter. I want the escrow balance removed from my account, the related intended mortgage payment increase to be removed and this insurance coverage purchased by Nationstar to be canceled, all at no cost to me as none of this is the result of my error. Thank you for your attention to this matter.

Company response to consumer: Closed
Consumer complaint received 2016-03-10
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I logged onto my Nationstar Mortgage account online, and noticed a new loan on my account. This new loan does not belong to me. The personal information associated of the borrower for this loan is available to me when I log in to my personal account. I believed this to be a significant failure of Nationstar Mortgage to safeguard the personal information of the mentioned borrower. I contacted Nationstar Mortgage customer service to notify them of this issue. The representative told me to simply delete the loan from my account. I agreed to do this, but told the representative that this was not an acceptable solution. I told him that I was concerned that there systems allowed for this borrowers information to be available to me, and that my information could be available to others. The representative did n't seem to care about the significance of this issue, and told me that I could file a complaint with Nationstar Mortgage. I then tried to delete the loan from my account, and the website failed to remove it. This loan and the other borrower 's personal information remain on my account today. I have duly notified Nationstar Mortgage of the failure to safeguard the personal information of the borrower, and they have failed to take any action to protect this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: SC
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:
I paid off my XXXX card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have Not.

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 2023-04-27
Company: Long & Foster Financial Services, Inc.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Tuesday XX/XX/2023, I was connected with XXXX XXXX ( Licensed Loan Officer ( XXXX # XXXX ), Prosperity Home Mortgage Direct ( XXXX  # XXXX ) ) through XXXX. I was looking on XXXX just to get an idea of rates. I was connected with XXXX within minutes. I informed her that I was interested in looking into a HELOAN for {$20000.00}. She confirmed she offered this product and proceeded to take my information. Approximately 20 minutes later she called me and said that she had good news, she had great refinance options for me. I told her I wasnt interested in a refinance ; I was only interested in a HELOAN. She said with the amount I wanted to borrow, she couldnt do a HELOAN and reiterated she could do a refinance. 

XXXX knowing that I was only looking into a {$20000.00} HELOAN and knowing that she COULD NOT help, still took my information and ran my credit. She intentionally misled me from the beginning and ran my credit knowing she didnt have the product I requested. I don't even think Prosperity Home Mortgage offer home equity loan/line of credit options ; however, she still took my information, processed an application and ran my credit. 

The first issue- XXXX should not have proceeded with the application or the credit pull because she didn't have the product/service I was interested in. 

Secondly- as a result of the credit pull, I have been inundated with calls and text messages from loan officers, brokers and mortgage companies that believe Im looking for a mortgage or a refinance. I received 67 CALLS on XX/XX/XXXX starting from XXXX XXXX to XXXXXXXX XXXX This was even with me turning my phone off periodically throughout the day. I ultimately turned my phone off at XXXXXXXX XXXX  or who knows how late the calls wouldve gone. This also doesnt include the numerous text messages I received. The calls started again today ( XX/XX/XXXX ) at XXXXXXXX XXXX keeping pace with yesterday. This is maddening and absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is our mortgage company ( Loan No. XXXX ). They send information on sharing our personal information with affiliates, etc. along with opt out options as required by law. But perhaps on purpose they make the process needlessly hard. Their phone option ( calling XXXX ) does not work because this is a general number with automated options, where opting out of sharing private information is not even a choice. Resolution of problem is they should be made to make opting out easy as per the spirit of the law ( that they seem to want to undermine. ) We wish they could be penalized to discourage playing such games in future and wasting our time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am enrolled in overdraft services. I realize that I agreed to pay the fees involved. However, it seems to me that the fees I have paid over last 6+ months are not justified and in my opinion disgusting because they are taking advantage of my weakness and making my problem worse. The total overdraft fees since XXXX 2019 is {$4300.00}. In past years it was similar experience and I would complain sometimes and get a refund - usually a small fraction of what I paid in fees. Lately, I contacted my local manager XXXX  by phone than via email on XX/XX/2019 - XXXX XXXX XXXX store manager at the XXXX, NJ TD Bank - and have been all but ignored and I really can not afford their fees. I tried emailing again on XX/XX/XXXX and XXXX without response. 

Often, the fees are what cause my account to be overdrawn and then more fees are taken whenever something goes thru. For example, right now my account balance is - {$1100.00} and the fees I have paid in the 2 weeks between XX/XX/XXXX and XX/XX/XXXX totalled {$630.00}. 

Also, if I go to ATM, often the bank will not authorize one large withdrawl. I will be forced to do 2 transactions which cause more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: OK
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 have submitted several disputes with Equifax concerning false an inaccurate information from XXXX & XXXX in my credit file. 
An account they bought from XXXX XXXX. 
Everything about the account is wrong, Date, payments and amounts But Equifax refuses to remove the account from my file and they have no information to support that the account is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
XXXX XXXX and Experian have damaged me. 

The stupid methodologies used are outdated irrelevant and make no sense. 

I have worked very hard to make my credit report be as perfect as an imperfect person can. 

1. I understand what the credit report is supposed to do 2. I am competent in understand what is being relayed to me in my report 3. I understand that the three bureaus have Garbage Systems that do not accurately relay timely information to the clients they get compensated from. 

With the being said I XXXX XXXX am telling the 3 Bureaus that the way they use the information and their formulas have unduly caused damage to me in my pursuit of obtaining my financial goals. 

I am a XXXX XXXX XXXX and have been actively engaged and participating since the age of XXXX. I am now XXXX  years of age. I have experienced my share of financial ups and downs. Not having anyone to loan me a {>= $1,000,000} to get me started I traveled on my journey as best I could. I must say I consider myself a SUCCESS STORY! 

In reviewing the XXXX  INFORMATION the 3 Bureaus portray in my record I do not believe it accurately portrays my lifes financial story ACCURATELY! 

I do not want a canned response to my complaint. I want the Bureaus to explain line by line how each item is weighted. 

XXXX XXXX XXXX XXXX that are paid in full have more than just payment history to consider. Did they sell it outright or is it an asset they own outright now? Shouldn't that compute into credit worthiness? Just to say it was paid in full doesn't do much for making that determination. XXXX. Closed accounts dont count in Aged Accounts Computation nor do Paid in full for Length of time of accounts XXXX. Why a debt that is 7 years old is allowed to reappear XXXX  Weight established for debt and amounts etc Overall I can use my specific case to designate each issue I have with the way and methodology used to establish a score. 

It's too much to try to get my issues resolved with canned responses.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, these accounts with these different creditors, have 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 states that a consumer reporting agency can not furnish a account without my written instructions. 

Creditor : 1. XXXX XXXX XXXX- {$620.00} - Closed on XX/XX/XXXX 2. XXXX XXXX- {$3600.00} - Closed on XX/XX/XXXX 3. Department of Education- {$1100.00} - Closed on XX/XX/XXXX 4. US Dept. Of Education/XXXX - {$3400.00} - Closed On XX/XX/XXXX XXXX. Department of Education - {$1900.00} - Closed on XX/XX/XXXX 6.XXXX XXXX  XXXX XXXX {$1000.00} - Closed on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - {$10000.00} - Closed On XX/XX/XXXX Collection : 1. XXXX XXXX XXXX - {$4100.00} Hard Inquiries : 1. XXXX XXXX bank ) - XX/XX/XXXX 2. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( bank ) - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2016-04-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I owed Champion Mortgage {$910.00} for forced flood insurance. XXXX/XXXX/16 was told I owed {$1600.00} for taxes and insurance. I had paid taxes XXXX/XXXX/16 for {$760.00} and sent receipt of paid taxes. I sent a Official check for {$910.00} on XXXX/XXXX/16, which is the balance of what they say I owed minus the taxes. Copy of check attached. The loan details show receipt of Official check on XXXX/XXXX/16. Also attached are XXXX letters, the first dated XXXX/XXXX/16 stating we owed {$980.00} and have until XXXX/XXXX/16 to make current. And the second letter one day later,XX/XX/2016 stating we owed the {$1600.00} and had until XXXX/XXXX/16 to pay. ( this amount is the insurance and taxes they claim they paid I have the paid receipt and they will not produce theirs. ) On XXXX loan notes show " Advised client to return official check for {$910.00} because it was not the full amount. The loan notes show that on XXXX/XXXX/16 file was sent to Lawyers XXXX XXXX XXXX for Foreclosure Processing. The XXXX letters attached prove I had until XXXX to pay which I did XXXX XXXX. I was not in default when they started the Foreclosure. They refuse to produce their receipt for the taxes they state they paid. Second complaint -- after seeing I was n't going to go away, I purchased {$120000.00} in flood insurance XXXX/XXXX/16 as the new requirement. Immediately after receiving the new coverage they first told me I needed they sent a GAP letter stating I needed {$250000.00}. This GAP in coverage is what started this Foreclosure process. See attached letter. The condo association covers {$120000.00} on each unit and I have my personal for {$120000.00}. The condo is not even close to being worth XXXX I have no idea where they came up with that figure. I believe it is a ploy to continue harassing an XXXX woman in hopes they can keep throwing hoops to jump threw and I 'll get tired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern I was a victim of Identity theft on XX/XX/2018 by a Potential employer They requested my XXXX  Docs and I did provided to them. I do have a Police report number with XXXX the incident # XXXX Date the report was filed XX/XX/2018. I have a open collection with National Credit systems for over 9 K that I didnt open nor have knowledge of. Please correct this Thanks. If you have any questions please feel free to reach me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and accounts was applied for and opened with out my knowledge or consent. I am not liable fotr any debt that occurred or was created due to this fraudulent activity

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 2016-04-29
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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX was substituted as a Trustee and has filed a Notice of Default in the XXXX County Records with fraudulent and altered paperwork in order to " steal ''. They violated Pen C 131 and 134 which is a " felony ''. They are as well violating the FDCPA 15 U.S.C 1692c as they are debt collectors and are liable for this. The Lenders have not noticed us that they are the party authorized to take this action. The attached memo trying to satisfy that they have satisfied the Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) is fraudulent as they have not tried to contact us and have had access to our council. This was attached by Nationstar Mortgage LLC and signed. The substitution of Trustee is based upon XXXX " fraudulent '' recordings on behalf of the XXXX XXXX which closed as the XXXX indicates where attempted recordings to the Trust were made 8 and 10 years after the Trust closed. The Trust violated the the IRS tax exempted status. XXXX XXXX XXXX has not sent any mail notifications that they are involved. 
County recordings show that XXXX XXXX XXXX as a debt collector attempted to extort {$140000.00} due by XXXX/XXXX/XXXX while the recording was dated XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vance & Huffman LLC is reporting a debt from a payday loan company XXXX XXXX that does not belong to me. The collection account was reported XXXX 2021 to XXXX, XXXX, and XXXX. I have called and disputed the incorrect reporting multiple times since then but Vance & Huffman continues to re-report it. I have never obtained a pay day loan and this company refuses to send me any origination papers to substantiate the debt. Their refusal to remove this incorrect and/or fraudulent account reporting to XXXX, XXXX, and XXXX appears XXXX be fraud and illegal business practices rather than any mistake.

Company response to consumer: Closed with non-monetary relief