BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-16
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently transferred from XXXX to XXXX to owcen to now nationstar mortgage. I have had the loan for 8 years. In that time I have had an escrow that paid my insurance and taxes. I have paid {$400.00} per month and it has covered the payment, insurance, and taxes. Now that nationstar has my account since XXXX of this year, my insurance and taxes are not only behind but my insurance was canceled and I was not allowed to renew. I have called nation star several times and got no help. Sometimes I call and they say I do n't have an escrow account, other times they say I have over {$1000.00} in escrow but my insurance company needs to send an affidavit. Once they told me they put in a work order to release my escrow but I would have to pay the past due balance out of pocket. I called once and they said my account was set up without escrow and I have to pay everything on my own. I am not sure what is going on. All I know is I 'm paying money and no one will tell me where it 's going or my escrow information. I should know where my funds are being held, the account number, and how much comes and goes in the account. Instead I keep getting transfered between the escrow, customer service, and insurance department. When I request to speak with a supervisor I 'm told that they are on break. They say they will follow up with my request but I do n't get any response. I need to know what they are doing with the funds in my escrow account and I want my taxes and insurance paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 {$220.00} I had spoke with Affirm right when I received a email saying someone was trying to make a purchase with the account I already had. The women stated she see this happen and I caught it just in time to put my account on hold. Affirm also has when your making a purchase you get notification on my phone to my number with a code you have to give them to confirm it's you that's making a purchase and I never got anything. but a email to my phone saying transaction was made from Affirm. I also send the information I got to my email from them saying it was a purchase to XXXX XXXX. I reach out and they couldn't give me information but the name on the account was different them my name and email is what she said. I being filled out dispute and they keep saying I had no case or it's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I filed my taxes with XXXX XXXX and decided to receive my refund on an American Express serve card. I have had problem after problem with this card. I tried to go to a bank to take my money off of the card but it said not authorized. I tried to pay a bill but the company does not accept the card as man companies does not accept American Express. I called the company which is horrible to get anybody on the phone and was told I can take my money off the card at any XXXX location. I went to XXXX and was told the cards have not been allowing people to take their money off. The XXXX worker told me it works for some people but for some it I doesnt. I swiped my card and the transaction would not go through. After trying twice I then left and called the card company and was told my account was locked due to fraudulent activity for no reason. I had to wait on hold for an hour and a half for representative to get on the phone and ask two questions and unlock my card. This is by far the worst card I have ever had to deal with. I will never again use this card once my money is withdrawn and I wouldnt recommend it to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

Chapter XXXX Bankruptcy Reference # : 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 2022-01-18
Company: Synerprise Consulting Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I paid {$2300.00} to Synerprise Consulting to settle two collections debts on my credit report originating from XXXX XXXX XXXX. I was told by the creditor this satisfied the debts in full and that both items would be completely deleted from my credit report. I have proof from my bank statements showing I paid these debts. Both items are still showing unpaid, and both items are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in 2006 I purchased a home for {$150000.00}. XXXX lending was suppose to close me and could not at closing because my credit score dropped. I was in a panic because I gave up my apartment and have XXXX children so XXXX Mortgage which was the title company that was there for closing said they could close me. I got hit with a {$560.00} a month PMI leaving my mortgage payment to be approx. {$1900.00} a month on an income of only {$30000.00} a year. XXXX then purchased the account from XXXX and I paid on time for a year and a half and had the PMI dropped. At that point I was so far behind because of the struggle with the high mortgage payment that I applied for a Mortgage Modification. In the interim XXXX gave me a payment to pay of {$820.00} a month which included principal, escrow and a reduced interest rate. I paid this on time for close to 2 years and then my modification went through. The problem though was that they gave me a term that I had no choice to take because I could not sell the house due to property values going down below what I owed. They added {$31000.00} to the back of my loan for capitalized fees and interest. They then sold the mortgage to Nationstar. At this point I still owe the same amount that I owed when purchasing the property {$150000.00} even though the property is only worth {$110000.00}. Please assist if you can with having this {$31000.00} removed or reduced due to the beginning of the mortgage being a predatory lending case. Sincerely. XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid 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:
XXXX To : Consumer Financial Protection I received a dated letter XXXX XXXX -XXXX  XXXX for XXXX application for credit request not approved. This application is a FRAUD. Identiy thieves have stolen credit information for ( XXXX XXXX XXXX ) in attempt to obtain merchandise and have also done this in the recent past with XXXX XXXX XXXX and XXXX XXXX store. Please be forward this to the proper authorities for legal processing and investigations. XXXX  XXXX XXXX XXXX p.o. box XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ( XXXX ) XXXX XXXX XXXX for XXXX application for credit

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 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Since XX/XX/2018, I have attempted to contact Trans Union in reference to erroneous items on my report. I began sending written requests for verification of these items in XXXX. Since that time I have not received any of the items requested and the erroneous items are still on my report. They have yet to verify the items and send proof of that verification. They simply say " the company '' reported it as " accurate. '' Without giving the requested verifying information. I have also provided documents to Trans Union that I have sent to the suspected verifying companies and I have never received anything to verify the accounts.

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 2015-10-16
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I faxed a letter as initially directed by customer service requesting my PMI cancellation because it is meeting the ratio required. I make my payments on time, make extra payments and I have no junior loans. The Federal Reserve has the Homeowner 's Protection Act which states that in the case of a refinanced loan the " original value '' is interpreted as the appraisal used at the time of the refinance. I do not feel I should need to pay over XXXX dollars for a new appraisal when the Act states that the ratio is based on the original value/ appraisal. I called two hours later to confirm if fax was received. They said they have their own procedures, requested I fill sign their ( PMI Removal form " immediately '' ( which had a built in consent to pay for appraisal that I did n't see ) and to fax it to a different number. After debating the legality of their " required '' appraisal and fee, the employee XXXX XXXX then they said they are referring the matter to their PMI department and they will call me back in four days. I sent them the request, the appraisal, and I also sent the section of the Homeowners Protection Act pertaining to refinanced loans. I spoke with XXXX separate people and it took hours. Both women had heavy accents that were unintelligible. I have never received documentation from this company on PMI cancellation, nor is it visible anywhere in their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MO
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-12
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-05-03
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I asked for income repayment option and I received an email confirming, I was approved on XX/XX/XXXX. I then received another email on XX/XX/XXXX stating I didnt have to make another payment. On XX/XX/XXXX, I received an email my full monthly amount was due ( {$530.00} ). I contacted Nelnet and they stated I was never enrolled in the income driven payment program. I spoke with XXXX in XXXX and completed the verbal agreement to be accepted into the program and my monthly amount would be $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: P&B Capital Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX sold the debt to XXXX XXXX. Earlier this year, it was removed from my credit report until A few months ago, P & B CAPITAL GROUP LLC now has charge of the debit and placed it in the collection on my XXXX Report without any notification. The debt was bought by XXXX, not this new company had been discharged, and was now picked up by someone else without notice to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Problem with personal statement of dispute

Complaint:
The XXXX XXXXXXXX giving me a delinquent status on all XXXX credit reports, when it shows on Experian that my payment was made in XXXX from XXXX to XXXX all checks marks on the credit report. On XX/XX/XXXX I gave XXXX XXXX XXXX dollars but instead of them applying them monthly they took my money and applied it towards principal and nothing on interest at all I have given you complaints for the longest but my XXXX Act/Title II Civil Rights are being violated especially when I live in Florida which is a disaster state, also falsifying and not applying my payments monthly after giving them XXXX dollars which is not right. The sad part about this is that Experian and other credit bureaus are not trying to listen to me knowing XXXX XXXX is in violation, and I have evidence to show what I paid. According to 15 USC 1681 and FCRA is being violated and I want to be compensated due to XXXX XXXX trying to make me look bad on my credit report which brought my score down tremendously after speaking to them about my money, and still, no action taken please investigate there records and file charges against them. 

Thank you, 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 2022-01-28
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:
This account has been reported on my account for over 8 years for 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 2023-07-12
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: Personal information incorrect

Complaint:
I've disputes the incorrect personal information on my credit profile number of times, still hasn't been removed. please help. address/ names

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