BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to express my frustration with working with Nationstar Mortgage { Mr.Cooper } as so its now called, in working with a Loan Modification on my subject property located in XXXX, New York. I 'm very certain that they changed their named to Mr.Cooper  because of all the lawsuits that they keep receiving due to mismanagement of files, and also for misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the situation of the client. 
My complaint has been going on with Nationstar for a while. It started years ago with with a simple request of a Loan Modification due to my default in XXXX XXXX XXXX. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried to contact them for an update, there is a different representative, not only did they not know what was going on with the file, but they could not find any updates, any documentation of my file. Most of the times they kept telling me that there was no current updates and that an account specialist will follow up with me and they never did. 
It is not my fault that I felt behind on my my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolution has been reached. I finally was able to execute a complete package, and have the correct income to qualify for my mortgage. I was able to rent part of my property and collect a rental income of {$2500.00} on a monthly basis. My daughter is able to give me a contribution to assist me with the daily expenses we have in the property and for the family. All I 'm looking for is for HELP. 
Now, Nationstar has placed a sales date on my property and is for XXXX XXXX XXXX. I do n't understand why they have placed a sales date, when I been doing a loan modification to save my home, you have a complete package with updated information for a review, and you do not want to open a template for a review my loan modification for a possible solution, all you want to is sell my house on foreclosure auction unless if I can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have been " dual tracking '' my case. If I was in process of a loan modification, foreclosure should have been placed on hold until a review is completed. You are against the law at the moment for not opening my case for a loan modification, and forcing me to foreclose. 
I believe its just not fair that you ca n't even give me the opportunity to have my file be reviewed for a loan modification, to give me an opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
Company: Experian Information Solutions Inc.
State: NC
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX  Re : Formal Complaint Against LVNV Funding LLC Dear Sir or Madam, I am submitting a formal complaint against LVNV Funding LLC due to their deceptive collection practices and violations of my rights under the FDCPA and FCRA. Last year, XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, contacted me regarding an alleged debt, which I immediately disputed via priority mail and email. However, they failed to respond or provide any evidence of the alleged debt. Despite their failure to validate the debt, I recently discovered that LVNV Funding LLC has persistently continued to report the invalidated collection on my credit, which is a direct violation of federal law. 

These actions constitute unlawful debt collection practices in violation of the FDCPA and the FCRA, and there is a history of complaints and lawsuits against these agencies for deceiving and abusing consumers like myself. I respectfully request that appropriate fines be imposed and the immediate removal of the invalidated collection from my credit reports. 

I have attached copies of my credit reports, the dispute letter, email, and USPS tracking proof to show that they received my dispute for your reference. Your assistance in safeguarding my rights under the law and preventing these individuals from causing further harm to consumers is greatly appreciated. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... 
Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX .... 
Balance : {$3200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am trying to buy a home. I checked my credit I have XXXX unauthorized inquiries. I have sent three request letters since XXXX of 2023 and all inquiries are still appearing with no resolution.

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 2023-10-11
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, on XXXX XXXX I attempted to use the ATM located at XXXX XXXX XXXX XXXX, TN XXXX. 

I bank with Chime aka Stride bank phone number and attempted to pull {$200.00} off my debit account, and the ATM was stuck at the processing screen. I asked the clerk at the store if the ATM was working properly, and he advised that it was slow sometimes. 

The ATM then ejected my card, and no funds were dispensed to me, I attempted again not knowing that the transaction went through my account and the second transaction was successful and I was able to get the {$200.00}. 

The problem was I had two charges on my account. I contacted Chime at phone # XXXX on XX/XX/23 and was advised that the charge would have to settle before they could start the dispute. 

I also tried to contact the ATM company that is XXXX XXXX at phone number XXXX and their office was closed they are open M-F XXXX. 

On XXXX The charge was no longer pending and I was able to start my claim with Chime, at phone number Chime then denied my dispute on XX/XX/23 without ever starting an EFT protocol with the ATM provider. 

Since the date above, Chime keeps requesting more documentation for them to investigate my claim, I am now on rebuttal # XXXX with them and they have yet to follow protocol by law. They continue to deny my dispute and will not help me to get my funds back. 

Chime has not done what they are supposed to do and they continue to deny my rebuttals. I did not receive these funds and I just want my dispute to be handled correctly. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Ability Recovery Services, LLC
State: TX
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:
ON XX/XX/23 I SUBMITTED TO YOU ABOUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX IT WAS TAKING OFF THE CREDIT BUREAU.THEY BACK DOOR AND PUT IT BACK ON CREDIT REPORT CHANGING UP NUMBERS AND I CAUGHT IT THEY PUT THE BILL UNDER A DIFFRENT COMPANY BUT NUMBER IS THE SAME AND THE AMOUNT IS XXXX DOLLARS NOW # XXXX .TRYNG TO CHANGE THE NUMBERS UP. BUT I CAUGHT IT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS CHANGING THE AMOUNT AND MY NAME ON BILL THEY HAD XXXX XXXX ON XXXX NOW THEY HAVE XXXX XXXX NOW THE BILL IS SHOWING XXXX XXXX XXXX XXXX  ACCOUNT # XXXX IN THE AMOUNTOF XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAD XXXX XXXX XXXX # XXXX AMOUNT WAS XXXX. PULL CREDIT REPORT YOU WILL SEE IT .THE FIRST BILL I SUBMITTED TO YOU WAS # XXXX. ALL ACCOUNT NUMBER FOR THAT ACCOUNT HAS BEEN DIFFRENT NUMBERS BUT THE SAME FORMAT USING BEGINING AND ENDING NUMBERS THE ACCOUNT IS STILL THE SAME. # XXXX, XXXX .OTHER COMPANY NAMES THEY WILL USE IS XXXX XXXX XXXX XXXX  XXXX LAST TIME THEY TAMPPERED WITH MY CREDIT REPORT AND THE AMOUNT. # XXXX. I KNOW ITS A LAW AGAIN TAMPERING WITH SOMEONE CREDIT REPORT AND CHANGING AMOUNTS AND PUTTING DIFFRENT NAMES TO REPORT THIS. I HAVE SENT IN MY DRIVER LICENCE FOR THEM TO TAKE OFF ALL THE MISS SPELL NAMES THEY WILL NOT DO IT ON BIRTH CERTIFICATE I HAVE XXXXXXXX XXXX XXXXXXXX I ALWAY WRITE XXXXXXXX XXXX XXXX  AND XXXX MARRIED NAME XXXX XXXX THEY HAVE MY CREDIT REPORT WITH 21 NAMES THAT IS RIDICULOUS AND NOT RIGHT THAT IS WHY I PUT A FRAUDLENT ALERT ON CREDIT REPORT FOR THAT REASON.PLEASE HELP IF YOU NEED COPYS I HAVE EVERYTHING YOU NEED

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 2023-03-27
Company: Experian Information Solutions Inc.
State: OR
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:
I have an inquiry on my Experian account that I did not solicit. XXXX XXXX XXXX initiated an inquiry on XX/XX/23 of this year without my consent nor request from me. 

I first reached to them within 3 days of this inquiry date due to concern of potential fraudulent activity. I spent almost 45 minutes on the phone with them as they reviewed their systems to try and find my info. They couldnt find anything with my information on it and they told me I would have to take it up with Experian. 

I called Experian the next day and they told me I would have to take it up with XXXX and get a letter from them stating that the inquiry was invalid. I was told once I had a letter from XXXX I could have it removed. 

I tried XXXX again and they told me they couldnt do anything for me as I wasnt in their system. I feel like I am now in a process where I am chasing my tail. 

For awareness this inquiry is the only inquiry on my report.

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 2023-04-26
Company: Dyck-O'Neal, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had an XX/XX/XXXX loan back in XXXX. I did a loan modification and the 20 % loan in the amount of $ XXXX went away around XXXX. In XXXX I tried to work with the debt collector Dyck-Oneal, Inc as this debt was very old and I no longer owed it. I had to sell my home in XXXX and they had a lien on my property for $ XXXX. They took my money from the sale of my home. How did it go from $ XXXX to XXXX. This left me in major financial bind. I called Dyck-Oneal crying and they didn't care. I wasn't able to complete the sale of my house until they got the money. This was a great rip off, it wasn't fair and I would like you all to look into this so I can get my money back. I am a XXXX XXXX and I did some research and found out that many of us were treated the same way, today the CFPB did a press release also talking about the same thing! My family and I were treated so unfairly and this was simply a money grab for them. Almost like a knife to my throat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my XXXX XXXX XXXX XXXX on XX/XX/XXXX. The card had been opened about XXXX months prior with a XXXX Line of credit to facilitate my flying on United airlines. I did receive the bonus miles promised. I received a letter, dated oddly enough, XX/XX/XXXX with the following words : " XXXX XXXX have an obligation to periodically review our customer relationships. We decided to close your credit card account on XX/XX/XXXX because of your connection to a publicly reported financial investigation. '' The letter is attached. I have an XXXX XXXX XXXX of XXXX at this moment ). It was over XXXX when I got the card. I believe the decrease is because of the increase in my percentage of credit due to their closing my card. I am retired and not involved in any financial or business dealings. I pay all of my bills and taxes. I am not under any type of investigation to my knowledge. About XXXX weeks ago I was able to reach someone at Chase ( A number of transfers ) that agreed to have the case reviewed and revert by mail in 10 Days. I have just received a letter thanking me for my valued business! No one at Chase will discuss this event with me under any circumstance. I am concerned about the effect on my otherwise stellar credit rating that I worked so hard to achieve! I also just applied for a card from XXXX XXXX and was rejected but I think that is because my credit accounts are all locked. I am not used to this. 

Attachments Chase XXXX XXXX XXXX ( XXXX KB )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender has my flood insurance as part of my loan paid through my Escrow Account. They did not pay my flood Policy timely, and when they finally paid it late the issued the payment to the wrong carrier and sent to the wrong address. This has caused my policy to be canceled and the Flood Insurance will not reinstate my Policy. My agent now has to issue a new Policy which has a 30 day waiting period and the cost has increased from {$650.00} to {$1800.00}. They lender will not expedite the payment and they have left me with no insurance coverage on my home. They tell me today they will place a lender forced policy in about 45 days which the letter from them states it only covers the dwelling, it does not cover our personal belongings or cost of temporary living outside should we have damages. I have been without insurance coverage since XX/XX/22 we live in a flood zone, less than XXXX mile from the ocean and XXXX blocks from the inter-coastal. They are telling me that this can not be expedited even through they have admitted fault. They tell me should something happen between now and 45 days to call them and then they will place insurance they REFUSE to provide me with any written documentation. I am very concerned considering we are still in Hurricane Season especially what has just happened with XXXX XXXX to be without proper insurance coverage to protect my home and family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
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:
A collection account from XXXX XXXX XXXX was reported to all three credit bureaus in XXXX of XXXX. I did not receive any prior notice and immediately requested the debt be validated or deleted. I was subsequently sent a letter from the company on XX/XX/XXXX stating that there is no such account in their office with my information. I am attaching that below. I disputed the debt with all bureaus. The account was removed from my XXXX XXXX XXXX bureaus based on the company 's inability to show a valid account matching my information. On XX/XX/XXXX, the collection account was removed from my TransUnion report. Upon checking my report today, I see that the account has been readded. I have not been sent any additional documentation, validation of the debt, or the notice required before a company is able to add a collection account to a credit report. For this reason, per the law, TransUnion is required to remove this account permanently and not allow it to continuously be added to my credit profile. it is detrimental to my credit health and damaging to my profile.

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