BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A friend died in a XXXX, on XX/XX/XXXX. The dwelling and it 's contents, weredeemed a total loss by insurance company, for which the decedent had homeowners insurance. 
I became executor of her estate, and received " Letters of Testamentary '', on XX/XX/XXXX. Decedent had a reverse mortgage, with Champion Mortgage Co. On XX/XX/XXXX, I met with the adjuster from the insurance company, and endorsed a check, " Pay to the order of Champion Mortgage '', for the total amount due, within 30 days of the end of XX/XX/XXXX, listed on a loan statement from Champion Mortgage. 
A XXXX page fax, was sent to Champion Mortgage, which included a cover letter with the loan number and instructions, " loan pay-off, check sent in mail today '', signed by the insurance adjuster. The fax also included a photocopy of the front and back of said check, with my signature, endorsing it to Champion Mortgage, as executor. The last page of the fax was a copy of a statement, for the amount due, within 30 days, of the end of XX/XX/XXXX. 
Champion Mortgage cashed the check, which cleared the insurance company 's financialinstitution, on XX/XX/XXXX. 
Instead of paying of the reverse mortgage, they put the money into a non-interest bearing account, which I can not access, as the executor of the estate. 
Champion Mortgage claims that the fax instructions were not signed by someone authorized on the reverse mortgage loan, therefore, they did not pay off the loan. 
I have made numerous phone calls, and have sent a letter instructing them to pay offthe reverse mortgage loan, to no avail. 
Representatives give incorrect information, supervisors do not return calls, and theyare now asking for more fees and interest on the loan. 
There are numerous on line complaints about how Nation Star/Champion Mortgage Co, does business, including padding invoices, and prompting foreclosures on properties, where people have tried to pay off mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Amazon synchrony bank, credit card and opted in for card security protection XX/XX/XXXXXXXX  in which I was charged for this service 1.66 % of my monthly balance I opened the account years ago. They are not honoring the card security in which I paid monthly for. They are suppose to cover up to XXXX of my balance. synchrony is dragging their feet and not moving forward with the benefit request, but are suing me for the balance of XXXX cost, and which I had paid for the card protection program close to {$22000.00} + they are not honoring the service that I paid for even after filling out additional benefit request forms Synchrony bank is moving forward with a judgment against me. I requested all statements to be mailed to me and them to honor the program. They are not. I have disposition for court 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 explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the fraudulent account in my file that are reporting on Transunion Credit Bureau. This is so unbelievable! How can you guys let these multiple complaints pass? I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need Transunion to be held accountable & have the account blocked/removed : 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 2022-09-24
Company: Experian Information Solutions Inc.
State: GA
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:
Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! 

There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX XXXX XXXX XXXX XXXX # XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXXXXXX, XXXX # XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful non compliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 


Thank you for your cooperation. 

Sincerely, 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 explanation
Consumer complaint received 2022-06-05
Company: Service Finance Holdings, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a stand-alone complaint, not directly connected to a previous complaint, as this concerns the company in question claiming to be a XXXX DEBT COLLECTOR XXXX, while not being licensed as such, per the State of Florida, Office of Financial Regulation . 
On XX/XX/2022, I received a letter, dated XX/XX/2022, where the afore-mentioned Service Financial Company , LLC indicates that they are a properly and duly licensed Consumer / Business Debt Collector . I have retained proof to attach. 
I just ( XXXX around noontime ) did a search for such and all licensing of Service Financial Company, LLC : NONE found via the online search, not even for any license, as best I could search.

Because of this lack of proper licensing, I feel and believe that I, an elderly XXXX Veteran, have been the attempted victim of unscrupulous and questionable actions and behaviors from this supposed FHA TITLE I lender. 
I am not sure whether their letter is a threat, but it sure does feel like such, as I never authorized any XXXX submitted payment that would have been rejected due to Insufficient Funds XXXX, as that letter indicates. 
At worst, I feel that by their submitting such a request for my account payoff that the company has tried to impersonate me, which I believe is against the Florida Statutes, Title XLVI, Chapter 817, in many ways or points and using such to attempt to XXXX force XXXX ( as described by many legal sites ) me in such fashion appears to be a concerted effort, not unlike XXXX organized crime XXXX, by the very definition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2021-07-21
Company: Goal Structured Solutions, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX RE : Account Number XXXX To Whom It May Concern, On or about XXXX of XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to Launch Services, LLC, who place the loan amount of {$2500.00} on my credit report. Since Launch Services, LLC placed the unauthorized debt on my credit file, my credit have fell below XXXX. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance- XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX Balance- XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 2015-05-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage properly and fairly review our loan modification request for relief. We intend to keep our home and both of us are in out XXXX 's and have many medical and health issues that have kept myself XXXX limited in employment opportunities. In fact, we were forced to lose our businesses ( XXXX ) as a result of the health related to XXXX and XXXX XXXX XXXX. In addition, Nationstar has repeatedly denied us help several times for several years although we meet all eligibility criteria. They have never offered any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX PROCESSING SOLUTIONS to illegally start foreclosure on my property. The Nationstar Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Nationstar should have denied our request or started foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In XXXX, after several attempts to contact me about debt collection, I sent Midland a certified letter telling them to stop contacting me. 

They abided until on XX/XX/XXXX my husband was called by someone looking to collect on a debt under my name. When I called back, I spoke to a gentleman from Midland who told me that the firm had tried to contact me and that since I had not responded to the mail they had sent, they had sent my case to the courts for judgment and I would be served. Then the gentleman asked that if I had received the letter, that it offered a settlement amount of {$1100.00} and would I have been interested in taking that settlement, that if I had, he said, he " might be able to catch the clerk before he filed ''. I said no and hung up. The debt, he said, was from XXXX and sold off by XXXX XXXX XXXX in XXXX. That it was for clout for a little over {$5000.00}. 

Today, XX/XX/XXXX, I received another call from Midland and spoke with XXXX. She also tried to go into the same script of they " had tried to reach me by mail and I had not responded ''. I stopped her to verify she had my correct address, which she repeated. I told her that was my address, that I had received nothing, and that they had tried to do this call on me before several months ago. She tried to say " there is nothing in our records showing another call ''. I stopped her there and told her to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: NATIONSTAR MORTGAGE LLC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother died in XXXX of last year XXXX. She had a reverse mortgage and I am executor of the estate. The agent who had her sign the original reverse mortgage contratc was informed that she had XXXX, but went ahead with initiating the loan regardless of her obvious inability to understand the ramifications. This agent worked for XXXX Mortgage company. More recently, generation sold the mortgage to Champion Mortgage Company, but in the document of transfer, regeistered at the clerk of courts, they listed a legal description of a completely different property thousands of miles away with no connection to my mother.. I pointed this out shortly after her death, and the mortgage company filed a new transfer document in XXXX. I question whether the original contract is valid since it was not executed in good faith with someone who knew what they we signing. I also wonder if the transfer of the mortgage is legal with this botched legal description and the transfer only truly being processed long after my mother had passed. lastly, i have been trying to work with Champion Mortgage to obtain a 95 % of Fair Market Value payoff amount so that the family cal possibly buy the property back out of foreclosure. They have lost document repeatedly, not communicated in a professional manner and even scheduled a foreclosure sale date of XXXX XXXX without any notification. I discovered that a sale date had been set when I called to check on the status of the account today. Today I was told that I have to hire a lawyer or real estate agent and get them to process a preliminary HUD statement, a sales contract etc., before Champion will postpone the foreclosure sale or initiate an appraisal to determine fair market value. The house is in an area with a severely depressed real estate market and the house is not in good shape. It is worth perhaps half of the loan balance at this point. i am happy to work in good faith with Campion, but these issues should be addressed, and I would like to know what laws pertain to this type of issue. Specifically, do i not have the right to represent myself in this process? If all we want to do is pay off 95 % of the FMV as required by law, why must I beg for an appraisal. i paid for XXXX appraisal out of pocket and sent them the results ... of course, this was not acceptable, yet since XXXX, i have been trying to get them to provide me with their estimate of 95 % of XXXX so we can close the estate. now they are trying to sneak through foreclosure without notification and placing beurocratic barriers to obtaining an appraisal for a 95 % payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: TX
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:
They have the incorrect employer information I have called all XXXX several times to change it and its still on my report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is my employer I want one name on my credit report Ive also called them multiple times to change it and they refused to do it and have ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my name as XXXX XXXX and dont have my second last name Legal name is XXXX XXXX XXXX XXXX are also in violation of my HIPPA rights by reporting Medical bills on my report and have spoken to them about it several times XXXX XXXX XXXXXXXX IN Original creditor : XXXX XXXX XXXX XXXX {$200.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX {$1300.00} Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$2300.00} Date XX/XX/XXXX When I called Experian they advised me that it wasnt a violation of my HIPPA rights since the hospital doesnt show them the break down of the bill so I ask them how would they know that the amount theyre reporting is correct and she said she was going to transferred me to her supervisor and hang up. Therefore if the account cant be verify than accounts must be removed

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