BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Loan Depot on XX/XX/XXXX stating this was second and final notice to provide them with hazard insurance for my home or they will buy it for me. I had already uploading it into their website XXXX XXXX XXXXXXXX in XX/XX/XXXX as well as my insurance broker faxing it to them in XX/XX/XXXX. 
I called Loan Depot on XX/XX/XXXX and they informed me they had a copy of what I provided but it was not for hazard/homeowners insurance. Loan Depot has it as " other client preferred '' insurance. I insisted it was homeowners but I kept getting the run around from the customer service rep. I honestly felt my intelligence was being insulted by the nonsense I was hearing. There was no resolve at the end of the conversation. Basically it fell back on me and my insurance broker. I don't know what else to do or how to resolve it. The form Loan Depot has clearly states it's for homeowners and lists all the things covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a prepaid mastercard Vanilla Card valued at {$50.00} from my employer as a gift. I registered the card online using the website on the back of the card. It said the card was activated and had a balance of {$50.00}. I wanted to use the card to make a purchase online but needed a zip code associated with the card. I went back to the cards website and looked for a way to add a zipcode to the card but there is none. I read online that if I created my own account on the VanillaCard website that I could assign a zipcode that way, so I attempted that and then the website loaded an error page when I tried to access the account. I called the company toll free number and waited 45 minutes on hold before reaching someone who confirmed my card had been deactivated and needed to be replaced. They said I would need a receipt, which I do not have. This is absolutely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Each time I make a payment, the payment comes out of my bank but is not applied to my account for weeks. The Menard 's Contractor Card with Capital One is terrible. I paid my balance of XXXX on XX/XX/2019. The money left my bank account on XX/XX/2019. As of XX/XX/2019 the payment has not been applied to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: MI
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2016-12-14
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was in foreclosure in 2013. I reinstated and brought the loan current on XXXX XXXX, 2013. At the time of reinstatement I paid {$1200.00} of attorneys fees. After 2013 my loan was never in foreclosure again. My current statements shows a balance of attorneys fees of $ {$880.00}. I have asked Nationstar to specifically provide the itemization of these fees added, including when the cost was incurred and to whom the fees were paid. They have failed to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX OF XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX L XXXX {$4800.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 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 2016-12-14
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX 2016 I was sent a permanent loan modification agreement from Nationstar mortgage. I signed and sent back these papers on XXXX XXXX, 2016 via certified mail back to Nationstar Mortgage. I made numerous payments, both the trial payments and afterwards. In XXXX they returned my payment and threw me off the loan modification because they say they never received the paperwork. This is incorrect. The paperwork was sent certified mail back to them. I am not going to start over again, because I have made the trial payments, I will lose my interest rate. I want my modification honored. It is their fault that somebody lost the paperwork, NOT MINE. I sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 according with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2021-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, my husband and I agreed to refinance our home with Chase Bank working with XXXX XXXX. XXXX XXXX stated there would only be a {$500.00} upfront fee and outlined in writing all of the subsequent fees that would be involved in the cost of closing the mortgage. Agreeing to those specific terms, we moved forward. 

After taking my credit card information and charging me {$500.00}, I received an email from a paralegal, XXXX XXXX, representing Chase bank, asking my husband and I to send an additional {$950.00} cash that night. This was never disclosed and not on any documentation that we signed. So, no longer feeling comfortable that Chase was being honest with mne and reviewing the mortgage conversations we previously had regarding the mortgage lending deal, I asked JP Morgan Chase for a full refund of the {$500.00} application fee andwithdrew our mortgage application on XX/XX/2021. The r eason we are asked for a full refund is that when I called and spoke to XXXX XXXX I was told that there would only be an upfront fee of {$500.00}, and the email I received from XXXX XXXX was asking for an additional {$950.00} only AFTER the mortgage application fee was charged to my credit card. The current good faith estimate that I received from Chase did not disclose the {$950.00} as an upfront payment. 
Because we are within the first 72 hours of the application process, we requested multiple times from Chase, given that we were not made aware of these new out-of-pocket fees, for the full refund of our application and withdrawal of our application. 

They have denied the refund saying that they will only refund if they can not process the mortgage refinancing ; however, they never disclosed those extra fees and even admitted while on the phone with XXXX XXXX, the Client Specialist, that the mortgage lender " didn't know about the fees. '' The manager, XXXX XXXX, promised to contact me on XXXX XXXX, 2021 and never did. I have since tried calling multiple times, sending emails, and even tried contacting customer service on XXXX, all of whom are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cancelled broadband internet service with XXXX in XXXX of 2019. I received a large bill in XXXX of 2019. I spoke to XXXX on the phone and was assured that bill was incorrect. I was told to wait for the next billing cycle and my account would adjust and show a zero balance. 

In XXXX 2019 I received another bill with a lesser amount due. I called XXXX and discussed the account with a billing representative. The representative told me the bill was incorrect and I should receive a zero due statement shortly. 

In XXXX I received a letter from XXXX advising me of a past due bill. On XXXX XXXX, 2019, I called and spoke to a representative named XXXX who assured me the issue was fixed and I did not owe the money. 

On XX/XX/2019 I received a notice from a collection agency, Credit Control Corporation, requesting payment. 

I again spoke to XXXX on XXXX XXXX, 2019. Frontier now tells me that I owe the money but they acknowledge that the account notes say I was told I don't owe the money. 

I am very upset that XXXX sent my account to collections while telling me I did not owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
About XX/XX/2023 I recieved a letter from LVNV Funding LLC who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XXXXXX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then LVNV refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NM
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Judgement that I was never served. Company changed mortgage from FHA to conventional without my knowledge. Amount saying I owe is over the value of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report I noticed this issue is still on my credit report. This account doesn't belong to me. I would like this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. Experian displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX 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 also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony bank charged me {$16.00} for having a XXXX balance on my Amazon store card. I paid off the card the previous pay period and had not used it as I am trying to pay down my credit card debts because the interest charges are too high and I'm living pay check to pay check right now. 

So, I closed the account. One week later, Synchrony cancels the other store card I had for Guitar Center ( musical instruments only ) which also had a XXXX balance ( because I had paid it off and had not been to that store in a while ) and gave the following reasons : 1. Your credit score : XXXX XXXX. Lack Of Real Estate Secured Loan Information 3. Balances On Accounts Too High Compared To Credit Limits And Loan Amounts 4. Too Few Accounts Paid As Agreed 5. Not Enough Balance Paid Down Over Time On Installment Accounts All of these reasons are falsehoods. When I checked my credit score as of today, XX/XX/XXXX. It was XXXX to XXXX, and I have XXXX unpaid debts, and XXXX late payments, and all my loans have been paid according to the agreements. 

In addition, both XXXX and XXXX noted that Synchrony having canceled my credit for the reasons they stated would hurt my overall score. 

This is predatory lending in addition to causing real harm to people living on a shoe string budget. It is not fair that the poor are punished by being charged unfair fees and high interest rates while the rich are given unlimited credit with minimal fees and low interest rates.

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 monetary relief
Consumer complaint received 2021-12-18
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX Pioneer Credit Recover , Inc had sent me a letter. I received this letter on XX/XX/XXXX. This letter was a notice of intent to garnish wages from the employer under the condition that I do not have a plan. I made a {$55.00} payment through XXXX  's bill pay feature to make a statement and then contacted the company and left a callback number. On XX/XX/XXXX the company tried to tell me that I have to make another payment by the XXXX to have a plan. 

This is a form of hazing. I have a plan. They can not collect my wages or my taxes.

Company response to consumer: Closed with explanation