BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Day, My name is XXXX XXXX and I have been faced with mortgage troubles for sometime. ( since XX/XX/XXXX ). I am currently working with Nationstar Mortgage, who has refused to lower my interest rate. They bought the XXXX loan from XXXX XXXX XXXX who gave me a trial period of {$500.00} a month, after having divorced, lost job, etc. I spoke with the bank repeatedly regarding my income and filed for fha several times. In any event circumstances later led me to file bankruptcy, Bankruptcy case XXXX. then the trustee appeared to lead me to believe that my mortgage would be deducted thru payroll and now I am facing foreclosure again. I would like to be able to keep home, I asked for helped. Can this agency assist in helping me with speaking to Nationstar to see if they could lower rate so that I could qualify for the loan. At 8 % XXXX XXXX XXXX said that I could not and gave me the trial period. The hand off to Nationstar from XXXX XXXX XXXX has been terrifying. I just want to keep home. Can there be a win-win. From XXXX to XXXX is a lot. I had been overwhelmed and hit by XXXX driver- so the fearful attacks frightened me into scared me. I have been a part of this and just would like another chance to save home. built by Dad. 
They asked me to pay on XX/XX/XXXX payment XXXX Nationstar XXXX : Nationstar ID : XXXX XXXX : ID : XXXX. Then try to pay {$14000.00} by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BMO Harris Financial with XXXX XXXX XXXX have failed to release funds from a IRA inheritance account ( Deceased mother who I'm a beneficiary to that account ). They were able to provided funds to other siblings, but refuse to issue my funds. Total amount is around {$16000.00}. They told me it is invested and will not release. Contact people are XXXX XXXX and XXXX XXXX from BMO and XXXX. I have been emailing both parties and talking to them since XXXX XXXX and signed all paper work that was required. They keep on delaying funds. I believe its a scheme to defraud me.

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 2019-03-23
Company: Colony Brands, Inc.
State: AR
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 AND COLONY BRANDS, XXXX, XXXX XXXXXXXX, GINNYS, XXXX XXXX ARE FALSLY REPORTING ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 also resold the debt but the debt is paid in full. the car was apart of a crime hit in run and the person was caught but my insurance paid the car off but they didnt revise the promo code for the car to make the balance good that over charge me for the car XXXX was paid to them gap denied the claim because of lack of communication with gap they do they part as time allowed I lost my job and home due to this issues with XXXX XXXX would like a settlement of XXXX to resolve my hardship been XXXX  ever since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: FL
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. 

Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account # XXXX has 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 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 explanation
Consumer complaint received 2019-11-22
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX XXXX XXXX  sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.

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 2015-06-28
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My Mortgage Loan was taken over by Nationstar Mortgage XX/XX/XXXX and I received a welcome letter from them. They have been accepting my payments since then. I am in process of changing my property from personal property to real property and need the Lein Holder to sign form XXXX Affidavit for removal of manufactured home from vehicle registration files. I spoke with customer service XX/XX/XXXX to get fax number and was told once faxed would take about 48 hours. I faxed form that I had notarized to Nationstar on XX/XX/XXXX. Called XX/XX/XXXX to see if was received and was advised to call back next day. I have called several times since then, asked for Supervisor which I worked with XXXX XXXX who talked with Research Department only to tell me they ca n't sign from due to XXXX has n't signed a released on my Mortgage yet. They then got XXXX on phone who stated files were turned over to Nationstar. I 've asked several times why Nationstar is taking my payments if they are not the lein holders and why I was sent a welcome letter, but keep getting told they will call back when they get an answer from upper management. It 's not XX/XX/XXXX and neither Nationstar nor XXXX has returned my call. When I call in and ask for the supervisor 's that I spoke with in pass. XXXX and another named XXXX I keep getting told they are on a call and XXXX will call me when she finishes call ... still no call back. Nationstar is located in XXXX, I live in XXXX ... I pay my payments on time every month. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a 3 month forbearance on my loan through Citizens mortgager company in XXXX of 2021. I was granted the forbearance and did not make payments for 3 months ( I did make the escrow amount as I did not want to be behind on that. ) On XX/XX/XXXX of 2021, I received a letter from Citizens re : Payment Deferral agreement. 

The letter stated that as of XX/XX/2021 we will : 1. Adjust the due date of your next scheduled monthly payment to bring your mortgage loan current. 
2. Defer the scheduled repayment of the total past-due amounts to the maturity date of the mortgage or earlier upon the sale or transfer of the property, refinance of the mortgage loan, or payoff of the interest-bearing unpaid principal balance, and 3. waive any late charges We are proceeding with updating your loan and require a processing month for us to complete your payment deferral. Your next due date is the payment due date following the effective date referenced above. 

I began making full monthly payment in XXXX of 2021 and have continued to do so each month through XX/XX/2021. None of my payments have been applied to my loan and have been place in a suspense balance ( {$18000.00} ). At the present time, I am working with XXXX XXXX XXXX to refinance my loan to a 15 year term. In order to do that, XXXX requires an accurate payoff quote, which Citizens is unable to provide. I have been on the phone every month month since XXXX and nearly 10 hours in the last 2 days to get my loan term updated. Citizens has been unable to do anything for me, and I am going to lose out on a 2.25 % refinance rate if Citizens doesn't get me an accurate payoff amount by XX/XX/2021. I need help getting my loan brought to current status with the amount in suspense balance applied to the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-21
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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-06-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a GAP credit card and made a {$14.00} purchase on the credit card application. I did not receive the actual card. The bill came from Barclays bank for {$14.00}. I attempted to pay the bill over the phone, but was told that without the entire 16-digit number, payment could not be accepted. The Barclays representative absolutely would not accept payment. The next bill came ( once again, no credit card to refer to ) and a late fee of {$16.00} had been added to the balance. Once again I attempted to resolve the issue by phone, and once again they refused to discuss it or to accept payment. This is an unacceptable situation; refusing to resolve/accept payment while simultaneously tacking on fees.

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 2023-11-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: DC
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:
I am writing to request the method of validation and details on how your investigation of my consumer report was conducted for my dispute initiated on XX/XX/2023 and the subsequent response received on XX/XX/2023. According to the FCRA the only way to legally investigate and validate information in a consumer report is to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer or from any consumer reporting agency when the information was obtained directly from a creditor of the consumer. 
If you followed the law and completed a full, legal, and proper investigation as mentioned above, please send me the names, addresses, phone numbers and documentatation used from each friend, neighbor or associate that you interviewed within 15 days. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D I have the right to request this information. If you can not provide ALL of the requested information within the legally allowed time line, I demand that you honor my dispute request listed below for each item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: PNC Bank N.A.
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THE LAST TIME I WENT AND CHECKED MY ACCOUNT IT HAD {$2600.00} THEN AFTER I GOT OUT OF THE HOSPITAL IT SHOWED {$240.00}. SOMEONE STOLE MY MONEY AND YET YOU ARE TELLING ME THEY DIDN'T. 

I'M SITTING HERE CRYING AND PRAYING JUST NOT IN A GOOD PLACE RIGHT NOW HEALTH WISE. I'M AT A LOSS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SO SICK THAT I HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND GOING THROUGH XXXX OF SOMEONE STEALING MY MONEY. ANYTHING FROM XXXX/XXXX/2021 TO NOW WASN'T DONE NOR WAS IT AUTHORIZED BY ME. I DON'T HAVE THE CARD, CAN'T GET INTO MY ACCOUNT AND CAN'T GET ANOTHER CARD FROM PNC XXXX. I HAVE TRIED BETTER BUSINESS BUREAU WHICH PNC BANK NEVER RESPONDED BACK TO THEM AND I HAVE BETTER BUSINESS BUREAU STATEMENT SAYING THIS. RIGHT HERE AT XXXX TIME I'VE BEEN FIGHTING THIS SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX there was an error made by XXXX - I got through to mgmt and they reversed the erroneous pending charges. I called my bank and they reversed the charges on the XXXX of XXXX. However, today 2 of the three erroneous charges reappeared. I spent hours on phone with XXXX  and bank. I provided J.P. Morgan chase withe reversal codes and escalated to executive office of chase where XXXX assigned case # XXXX to XXXX and even though XXXX provided reversal codes on pending charges - Chase is refusing to give me my money - to be clear I owe XXXX nothing and have paid for everything and because of their refusal to fix the issue that is no fault of mine - I am overdrawn- this should be illegal when the vendor supplied the referral codes. Additionally, the pending charges were on the XXXX not the XXXX - the phone number for XXXX at chase research exec office is XXXX x XXXX- the reversal code for the XXXX is XXXX and for the XXXX is XXXX. I have never had a bank do this and I never overdraft my acct! I have had this acct a long time. My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation