BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wanted to pay extra principal towards my mortgage & I used to do it online periodically whenever I had additional money. 
Nationstar changed websites and I was told I can not do it online without also processing early my customary monthly mortgage payment with additional principal. However, they can do it over the phone and will not charge me for it. I agreed and asked for money to go towards principal. 
They took as I asked additional $ XXXX but did not apply it to principal as I agreed but distributed between escrow interest and principal. I called and they apologized and reprocessed it all to principal ( but deducted {$35.00} towards inspection without my consent ). I was told that in the future I have to modify my next auto payment online to add additional principal. 
I did modify my XX/XX/XXXX auto pay to add additional principal to my monthly mortgage. On XX/XX/XXXX, they took mortgage payment + additional principal. 
But then on the same day, they processed another mortgage as XX/XX/XXXX which is a month in advance. I called them again just to spend over 30 minutes on the phone without resolution as it got disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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:
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 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 2022-10-11
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 received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/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 2022-03-01
Company: CAVALRY INVESTMENTS, LLC
State: TN
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:
On XX/XX/XXXX I received a summons from the XXXX XXXX XXXX XXXX XXXX. The summons stated that I had to appear in court on XX/XX/XXXX, at XXXX XXXX. The attorney 's office XXXX XXXX XXXX was representing a company by the name of Cavalry SPV I LLC. The amount that I was being XXXX for was {$3500.00}. After receiving the summons I respond by sending three letters to address this issue. The following letters were a Cease & Desist, Debt Validation Letter, and another requesting other information to support the company 's right to collect this debt. All XXXX letters were sent on XX/XX/XXXX to Cavalry SPV I LLC and to XXXX XXXX XXXX  along with a green-certified return receipt via the US post office. On XX/XX/XXXX I received a packet from XXXX XXXX XXXX and a letter that stated an account with XXXX XXXX Shop Your Way with account # XXXX. The account was opened on XX/XX/XXXX for the amount of XXXX XXXXXXXX packet also contained a stack of billing statements from XXXX, no documents previously requested validating the right to collect the debt. One of the green-certified cards was returned on XX/XX/XXXX by Cavalry SPV I LLC. On XX/XX/XXXX I appeared in court at that time I was asked by the XXXX XXXX XXXX 's attorney to make payment arrangements. I decline to do so because under the Consumer Protection Act I was not given the information I requested and my rights are being violated. The attorney showed me a document signed by a representative from XXXX that I had not received but requested. A new court date was set for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received the 2nd packet very much like the first one however it stated that I opened the account with XXXX on XX/XX/XXXX. This is a very huge difference at less by 10 days according to 1st letter. I did not sign a contract with this company. I did not give them permission to contact any creditor or credit agencies. One hardship that I experienced was I had a store credit through XXXX for two years that was closed due to Calvary negative reporting that was in good standing. I can not apply to move to a new home because my credit is being negatively affected. I will attach my documents to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
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 THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " 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 ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,

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 2021-07-11
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX, Experian, XXXX, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXX, XXXX, XXXX, Experian, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: OH
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Capital Accounts, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital Accounts LLC is reporting the same ebt collection account twice on my XXXX, AND reporting the wrong amount owed. They will not verify the origninal debt ( Which is XXXX $ ) they are reporting different amounts to all 3 credit bureaus. ALL incorrect amounts. I have disputed this numerous times and have asked to validate the original amount- hey have not. Now in the last 3 months - they are reporting the SAME account twice on XXXX. I have disputed and I have no idea why it keeps getting validated when it it totally wrong. I now have to hire a lawyer to get this taken care of because they keep ADDING to the amount owed, do not verify the original debt and inaccurately reporting twice on XXXX This is beyond false information they are reporting and refuse to edit or remove it. I do NOT owe these large amounts and I will keep fighting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have asked Nationstar for assistance for a few months now and they have agreed to help me. Unfortunately my health has been deteriorating rapidly due to the amount of stress I have been under. This made it very difficult for me to get the required documents together in the time provided. All of this stemmed from my wife 's poor health as she was diagnosed with XXXX and subsequently the XXXX of her XXXX XXXX. For me this placed me in a very bad situation as I suffered a XXXX which XXXX and took over XXXX. All this not being enough the mounting medical bills and depleting money reserves placed me further and further back on my financial obligations. Now as I regain my XXXX I find that Nationstar has opted to sell my home on XXXX XXXX 2016. I have tried to speak to my assigned representative with Nationstar XXXX XXXX to get the assistance I need but I fear that I 'm too late. This did not happen intentionally as I do have proof of what has happed to me and my wife by medical records and bills. At this point I have tried everything within my power to maintain my home and I 'm now in the hands of Nationstar 's trustee XXXX to keep my home that I have worked so very hard to get. I have lived in my home for 18 years and have never had a problem or delinquency on my mortgage but now that I face losing my home I feel as I have no option. I was advised to contact your institution to see if there is at least a small hope of an opportunity to get back on track and retain my home. I 'm a good member of my community and have always been responsible for all my financial obligations. Please speak to Nationstar to give me the opportunity that I need to retain my home and get back on track with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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. XXXX  Account # XXXX has violated my rights.XXXX  Account # XXXX has violated my rights. Convergent Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Office of the ATTY GEN : # XXXX, XXXX 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 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 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 2021-07-11
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX, Equifax, XXXX, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX I had an interview for a job offer from work from home customer service over telegram messaging from a manager named XXXX XXXX from XXXX XXXX She asked me to introduce myself so I gave my name and where I'm from and what position I'm applying for. Then she gave me information about the company and what my job and responsibilities are if I'm hired. Then she started interview questions also asked what bank I bank with and asked if they do mobile deposits.Then asked me to wait while she send my interview questions to a hiring manager. Told me i was hired for the job and how much i will be getteing paid. Then asked for my personal information name, DOB, phone number and email address and home address. Also a picture of my ID and a picture of myself for my profile. So I can be enlisted into the company portal. Then told me that the company will provide me with equipment for my job and it will be delivered to my address. She told me as soon as the tracking information is ready she will let me know of the tracking number. Then she said the company will provide funds for the working materials and that I can print a check of {$100.00} for myself for sign up bonus and I can use my mobile app to deposit my check. By this time I knew I was getting scammed because no company with let you print a check to deposit into my account. Then she asked how do I want the check written. Then she asked if I was able to print the check from home I said I don't have a printer. Then asked if there is a library or staples near me. I said no because she wanted me to print the check like in a rush. Then I asked if this job is real she said yes as soon as you receive your equipment you will be on a zoom call with head department. Then later on that night I start receiving emails that my personal information is being looked into through XXXX XXXX, XXXX XXXX, XXXX, XXXX that I'm looking into this I was like XXXX. Then this morning XX/XX/XXXX I got an email from Experian credit is being looked into and this is not me doing it. I think they are trying to get as much information as they can about me. So I need help with my situation that I got myself into. Because I do not want them to hack into my bank account. Please help me!!!! I have attached the conversations during the interview yesterday Thursday.

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