BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Through this prestigious agency and that we citizens have so that this agency enforces federal, state and local laws, I am writing to you seeking your support, since I have tried by different means to find a solution to this situation. trying to get this debt collector, which has had a very questionable record in its collection procedures in its past, since this same AGENCY, ( CFPB ) has investigated it several times for its questionable operations, finding violations in its financial activities, it is questionable that an entity like NationStar Mortgage LLC, or Mr. Cooper knowing FEDERAL, STATE AND LOCAL laws would violate, violate these laws, since they can not assume ignorance of it. 
Since for more than once this same agency investigated and fined her for said violations. 
I hope that my case will be investigated for purposes of legitimacy of the proceedings of this entity known as NATIONSTAR MORTGAGE LLC, MR. COOPER. 
I remain at your disposal awaiting a legitimate response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: ALLY FINANCIAL 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: Old information reappears or never goes away

Complaint:
My report shows about 15 missed payments on my vehicle however I still have the car and payments are current.

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 2018-01-13
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I contacted Commonwealth Financial and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to XX/XX/XXXX. XXXX then conference called XXXX at Commonwealth Financial and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called Commonwealth Financial back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client XXXX XXXX XXXX. After receiving this information the last 3 times I called Commonwealth Financial without any update on the status of the investigation I decided to call the original client XXXX XXXX XXXX to check on the status of this investigation. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filing this complaint. The stuff on my credit report is wrong.

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: National Collection Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a balance at a previous university and because of this, they have a hold on my transcripts. They said if I worked with the collections company that has my debt, they will release the transcripts. I contacted the company and made the required upfront payment and I am very concerned with how this company handles my personal information. I called to make this payment on XX/XX/2023. When the individual answered, I told them why I was calling and they said they could help and asked if I was 'MY NAME '. I am, and so I responded with yes. Then the individual read off my SSN, DOB, address, email, and phone number to me asking if this was accurate. I could of been anyone and this individual gave out every piece of personal information I have. They didn't ask to confirm it and have me read out the information, they read it off themselves. This is an unethical example of handling personal information. I have canceled my card and plan to contact the school to find a new method of handling this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to transunion to see if they received the attached document sent with file number XXXX and transunion stated they got the attached document. I asked the fraud department when will the bk be removed from my credit the rep stated it will not be removed. I asked how is this possible when I reached out to the XXXX courthouse via mail to find out if the courts verified the information with transunion and the XXXX courthouse sent me back a letter stating they do not verify to credit reporting agencies nor do they give any information to third party agencies. I asked transunion why was this document so called not valid and the rep could not give me an answer as to why the documentation is not valid. I told the rep that if you can not give me a valid reason why this documention that I gave you is not valid the XXXX need to be removed, number XXXX transuion stated that they " verified '' with the furnisher. The furnisher is not a XXXX party company. The original furnisher is the XXXX  courts whom do not verify any information over the phone nor through the mail and that is what the document states. I have sent documents certified through USPS to transunion and they claim they did not receive it but I have the certification to prove that is a LIE! I have reached out to a consumer legal representation on this matter. CFPB does not make sure these CRA is following FCRA rules. I will be filing a complaint with FTC!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on one of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance XXXX XXXX  {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NJ
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2019-01-31
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company summoned me to court in XX/XX/2017 for this same creditor with the same fake claim. I immediately requested validation/assignment contract from them. Not only did they send me the same robo letter, they illegally tacked on extra charges on their initial claim. Even though I was not satisfied with the proof they provided in the form of robo letters, I agreed to settle the issue with them to avoid having to take time off work to go to court. I agreed to pay {$700.00} to them which was paid in XX/XX/2017. 
Now here we are again with the same issue. I'm being summoned to court once again for the same debt/same creditor, same robo letters stating that I'm being sued for breach of contract. WHERE IS THE CONTRACT that was supposedly breached? This greedy company should not be allowed to continue to harass people about old claims with no proof, only sending fake robo letters. I never signed a contract with them, nor do I owe them any money. I never owed them money in XX/XX/2017, but agreed to settle the account in XX/XX/2017 to make it go away, even though I believed that their first claim was fake. If they have a legitimate claim and are allowed to take people to court, they need to make sure that they have the proper paper work to back up their claims. They don't and they should not be allowed to waste people 's time. I am a hardworking citizen and do not appreciate being harassed by false claims. 
I am not planning to pay this greedy company anything else and I'm asking that you please look into their greedy business practices. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2023 I received a phone call from XXXX with XXXX XXXX. He called me from XXXX. He said he was calling on behalf of XXXX XXXX XXXX to confirm my information so they could serve me with a legal document. XXXX gave me the number XXXX to contact XXXX XXXX XXXX. I decided to call the XXXX back and a XXXX XXXX answered the phone saying " XXXX XXXX XXXX. '' I was confused and told him I just received a call from this number and the person XXXX said he was with XXXX XXXX and now it's XXXX XXXX XXXX. 

I continued to have a conversation with XXXX XXXX and he informed me that XXXX XXXX XXXX is a law firm located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA and is representing a credit card company I owe a debt to. I ask him to mail me the information regarding this debt and he said they already did. I told him I didn't receive anything in the mail and asked how it was sent, He said by regular mail. I asked again if they would send me the information because I had not received anything from them and he again refused. I asked him how can I even address this if I have no information and he then said I will have all the information I need once we get to court. He said a judgement will be placed against me and funds can be seized from my bank account and property can also be seized to satisfy the debt. 

I have researched this company, XXXX XXXX XXXX, online and can't find anything about them. Please help me with getting information from this company about a debt they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I called yesterday, the CSR reps ( I believe in XXXX ) were very rude. She asked if I'd like to have a new card issued.. I told her I'd call back. When I called back, it was brought to my attention that acc oi until was frozen due to fraud ( despite that she had just offered me a new card to be shipped ). 

The lady I spoke with afterwards said I'd still be able to access checks. Well, those aren't processing. 

They told me it'd take a few hours after notarized ID faxed to be processed, but it's taking a few days. 

Im now locked out of checking and brokerage, which is a significant opportunity cost considering the market. Not to mention I need cash to buy food, etc. I'm now having to go on payment plan with electric company bc can't pay bill due to no access to funds ( which will cost more ). I've also had to pay for notary. 

They have the ability to process this faster, but won't. 

I feel like I was discriminated against by the reps I spoke with yesterday ( XXXX ). I feel confident they flagged me as potential fraud in spite. 

I request all calls be listened to, for the past 1.5 months, to fully understand the situation and how this was unfairly handled. 

Respectfully, your previously satisfied customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Westlake Services, LLC
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: Was not notified of investigation status or results

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of monthly payment, past due amount and terms.Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property taxes were paid in full by my mortgage servicer, Newrez LLC, through my escrow. However, the tax amount for Tax Year XXXX and Tax Year XXXX were incorrect. I have fixed this issue with my XXXX XXXX office by completing a Pay By Legal Description and was given new tax bills for both years. I had sent over a copy of my corrected property tax bills to my mortgage servicer for review to adjust and refund funds back to my escrow account. I still have not receive a response or resolution. I have been overpaying for the month of XXXX and XXXX in the amount of {$5900.00} due to the increase of funds in my escrow, which is added on to my monthly payment. Newrez had paid {$18000.00} for tax year XXXX 2nd installment and {$12000.00} for tax year XXXX 1st installment. These are incorrect amounts, and I need them to refund the difference back to my account. I need this to be resolved as soon as possible as it making me very difficult to pay my monthly payment for amounts that are not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Southwest Airline 's website has a XXXX points after {$3000.00} of purchases within 3 months of opening a credit card promotion. On XX/XX/22, I applied for what I thought what that promotion. However, I applied as part of a purchase of airline tickets. I needed XXXX extra points ( I am a Rapids Rewards member and had enough points to cover the flight except for those ) so I bought those points. At that time, Southwest 's site asked me if I wanted to apply for a credit card ( it is a Chase card ) with a {$200.00} credit on my bill with the application. I assumed the promotions were one and the same - there was no explanation provided on the website that there were different promotions being offered at the same time- so I applied. 

I was approved for the card and received the card yesterday, Ironically, I also received a promotional mailer from Southwest the same day for the XXXX points promotion. There was nothing in the information I received with my card about the XXXX points promotion, so I called Chase and spoke with two different customer service representatives. 

According to Chase, the card is attached to a different promotion of XXXX points after spending {$500.00}. I called Southwest and spoke to three different customer service representatives. According to them, there is literally nothing they can do ; that Chase is the only company that can change it. I pushed them on the fact that it is their website with the promotion and they maintain it is not their fault ; it is my fault for not realizing it was a different promotion, and that I have to work with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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:
I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/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