BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
NationStar 's loan officer and underwriter generated a malfeasance loan by encouraging an XXXX XXXX applicant to enter into a mortgage loan and requesting that the non-applicant spouse execute a waiver of rights which would allow the applicant to sign loan documents as a single borrower. NationStar indicated that the name of the non-applicant spouse would remain on the deed however, the mortgage obligation would be in the name of the single applicant. The mortgage loan documents were approved with the single borrower executing all required loan documents. The borrower maintained the mortgage loan in good standing until he deceased several years later. The remaining spouse continued to remit mortgage payments until NationStar stated that because the widow was a non-borrower on the loan, she had no rights to the account or the property. NationStar could not negotiate any refinance options nor communicate any loan information because the non-applicant spouse was not a borrower on the mortgage. The non-borrowing widow subsequently purchased another property with different lender and therefore stopped remitting payments on behalf of the deceased applicant. Subseequent to relinquenshing the property, NationStar filed legal actions against the widow who is a non-borrower and requested that the Illinois XXXX County Courts require new loan documents be executed by the widow and that she be financially obligated on the deceased spouses mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX Borrower sent NationStar a QWR requesting an accounting of the roughly {$19000.00} missing upon transfer to NationStar. NationStar did not respond adequately. Instead, a representative from corporate incorrectly asserted borrower as in arrears a total of XXXX payments and owed the sum provided. -the matter remains unresolved. 
On or about XXXX a Qualified Written request requesting the same clarification with an additional request to resume normal mortgage servicing upon voluntary dismissal of the bankruptcy was not acknowledged. QWR followed again in XX/XX/XXXX. No acknowledgment. 
On or about XXXX correspondence was received. The correspondence received verified the error as it listed payment due dates from XXXX to XXXX ( accurate ) adding up to {$12000.00}. 
Correspondence dated XXXX also listed a total due of {$31000.00}. This amount subtracted by {$12000.00} is roughly. {$19000.00}! -- the missing payments. 
The advantage of filing Chapter XXXX, although presently voluntarily dismissed, is court supervised and accounting of all payments are undisputed. Factually speaking, a total of {$100.00} of payments were disbursed to the investor on the note. What happened to all these payments? 
Next, upon filing of petition, borrower was not behind. Bankruptcy was filed for reasons other than cram down. Cram down was incident to other matters and therefore, motivation for filing was not because borrower was behind but incident to other financial matters requiring restructuring. Petition clearly demonstrates that borrower was not behind Another QWR followed in XX/XX/XXXX. A letter was previously received in XX/XX/XXXX. Another letter was received in XX/XX/XXXX requesting extension on QWR. 
On or about XX/XX/XXXX a letter was received which states and I quote, " NationStar Mortgage LLC is in receipt of your verbal complaint of XX/XX/XXXX regarding the mortgage loan described above ... The complaint was not verbal, in fact it was made expressly in writing in the format required by the Federal Government and CFPB. An express complaint was also submitted to the CFPB and no acknowledgment of this has been provided by NationStar to date. 
Correspondence dated XXXX further states, " We have conducted an investigation and it was determined the error you asserted did not occur on the account. '' ... " You are XXXX payments delinquent. '' Well if that 's the case then what happened to the money XXXX payments unaccounted for upon transfer to NationStar Mortgage? 
Next, the letter dated XXXX demonstrates sloppy research. The letter references the original petition in bankruptcy and it provided a copy of the same. The original petition in bankruptcy is not the final legally enforceable terms of the modified payment in bankruptcy -- the confirmation plan is. I 've attached the same to this formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have had a 30 year fixed mortgage for about 7 or 8 years ; the mortgage was serviced and or owned by XXXX XXXX XXXX simple principal and interest payment. On or about XXXX or XXXX of XXXX Nationstar Mortgage from Texas purchased my mortgage and then it began. The very first payment to Nationstar, I submitted my mortgage payment of {$1200.00} and Nationstar unilaterally decided to take from my mortgage payment {$62.00} for an escrow account, THERE ARE NO PROVISIONS IN MY MORTGAGE TO DO SO. So the writing campaign began - after several months they stopped tatking {$62.00} from from my regular payment but did NOT credit my account, therefore, from this time forward because of this my regular payments became late. I send to them each and every month my payment by Certified Mail and I have NEVER been late and/or missed any payments. I have in my possession copies of all my cancelled checks back to XXXX XXXX. Next fee to appear on my statement is a Property Inspection fee of {$60.00} - I live in Pennsylvania Nationstar is in Texas - when I inquired they wanted to make sure I was taking care of my hone! Next they " force '' me to purchase Flood Insurance for the year XXXX and XXXX it must be {$250000.00} - Flood Insurance is NOT in my mortgage agreement, I only owe {$140000.00} plus the courts have ruled you can not do so - I am a member of this Class Action ; did not matter I personally purchased Flood insurance approximately {$500.00} for each year. I have written to them by Certified Mail to Cease and Desist, delete all the fees, including the late charges, and to send me an " Amortized Statement '' of my mortgage account showing a straight principal and interest payment - to date they have refused. Requested an appeal procedure, such as arbitration, no response, no appeal procedure and no arbitration ; they just keep sending from letters, each time from a different person. I want to refiance my home because my interest rateis 8.9 % and I know it is NOT being caculated correctly ; with this on my credit record it is hopeless! Bacically, Nationstar " Unilaerally '' ignored the sign Mortgage Agreement and simple forced placed their " own '' rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ADIR INTERNATIONAL LLC
State: NV
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:
This credit card account with Curacao has been closed and charged-off since XX/XX/ in the amount of {$170.00}. I've disputed this item with Curacao but they claim they can not find my account. Curacao can not verify my account however, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Dividend Finance Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a XXXX back up system. It began having issues and XXXX XXXX, now XXXX XXXX, now XXXX. System does not work properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
CREDIT REPORT INQUIRY REMOVAL I have written this letter to dispute a Credit Inquiry that is falsely listed on my credit reports. 

Company Inquiry Reported To : XXXX XXXX XXXX Date of Inquiry XXXX XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed. I have already submitted a request for removal to the company directly more than 30 days ago, and the Inquiry is still being reported on all three of my current Bureau Credit Reports. 

This is my official request to have the aforementioned item to be deleted off my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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 please 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 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 2021-06-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a former customer of 5/3 Bank. I closed my accounts with them several years ago. I still receive reminders by email to pay certain bills. I have called them and they have assured me the emails will stop. And then i get another one. I don't want my profile to exist in their database anymore. Their system thinks i am still a customer, leaving open the chance that someone could steal my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the XXXX bankruptcy court. I reached out to the XXXX bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The XXXX bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.

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 2022-02-15
Company: EQUIFAX, 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not. 

15 U.S.C 1681 602A states that U have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public record XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX-discharged Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my consent.

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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: CITIBANK, N.A.
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:
I have made a dispute with XXXX on XX/XX/23 for fraudulent credit card creation from XXXX XXXX that I have absolutely no knowledge of that I found on my credit report. I found out on XX/XX/23 that my dispute of fraud credit card got denied, so I got on the phone with a XXXX agent to file another dispute, and found out on XX/XX/23 again that my dispute got denied. I got on the phone again today XX/XX/23 to file a dispute about this, but I am afraid if it keeps going on like this, XXXX will reject my dispute again and I am going to be in a loop of constantly filing dispute and over-time, my credit will falsely be harmed, because there is already a charge of $ XXXX on that card and it is under my credit.

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 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a State Refund check in the amount of XXXX via a Capital One ATM. The next day I checked the website to see when it would be available. According to the website, it would not be available until XX/XX/2023 at the earliest. I contacted Capital One on XX/XX/2023 and was told that I needed to call back when the FTB was open and the check could be verified. On XX/XX/2023 I called back and spoke to three different individuals. The final person indicated that he was at the end of the line and stated that no he would not do anything to speed up the posting. He also indicated that I can expect any check I deposit to take at least 5 days to post. I indicated that this was a government check and that I did not understand why at least some of the funds were not made available to me. He did not answer that question but went back to his original answer that the check would not post until XX/XX/2023 at the earliest. I have only deposited 2 checks into this account and both have taken in excess of 4 days to post. The original bank transfer that I made to this account of {$1100.00} from my XXXX XXXX account took 13 days to post and was split into two transactions. One transaction for {$100.00} posted on XXXX and the remaining amount of {$1000.00} posted the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This can't be happening!! This company must remove the as they need to validate this account!

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 2023-02-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I took out the loan in XXXX with GMAC, for {$25000.00} and paid {$200.00} for 15 years, the amount of time on the loan. Last Paymet due XX/XX/XXXX. Never missing a payment, even through Covid. The interest was 9 %. I did not realize the loan had ended, and kept paying through XXXX. Now the Company that GMAC sold the loan to is demanding {$11000.00} plus dollars Now, calling the loan. If anything I believe that they owe me money, yet are threatening me with forclosure. I have all of my paper work, yet ALLY will not even give me the time of day, This is a second mortgage loan. # XXXX I really believe that I am being cheated. I did pay this loan off according to the contract,

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX -XXXX  ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B A billing error 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

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