BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was not notified of the last response therefore missed the deadline to respond. The response from Nationstar is not addressing the issue. I never " said '' XXXX is requiring the my payments be backdated so please do not contact them. 

I want my payments posted or back dated to the date they were received in full by your company. Not sure why this is a difficult concept. If it takes two weeks, fine, just back date it to the date received. As a consumer I am being punished because your company is too lazy to back date when a payment is received versus when you get around to posted it. 

XXXX was made on XX/XX/XXXX was posted on XX/XX/XXXX May was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX and not showing a posting date XXXX  was made on XX/XX/XXXX and not showing a posting date XXXX was made on XX/XX/XXXX and not showing a posting date Not having my payments backed dated to the date you were in possession of the full payment is a regulatory violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I received a letter from Citi Fraud Prevention that my Costco Citi card and Citibank checking accounts are being closed. 
The reason given was " Based on recent activity of your regular checking account, we found that you have violated the terms of your account per the client manual. '' No other explanation has been given to me. 
I have not been involved in any fraudulent activity. I have no idea what they are referring to and they refuse to disclose any info. I called the Fraud Dept and they did not disclose any information.

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 2023-04-27
Company: Bread Financial 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: Account status incorrect

Complaint:
In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: U.S. BANCORP
State: OR
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: Received unwanted marketing or advertising

Complaint:
Someone has put my information out to home loan applicant U.S bank mortgage company as well as XXXX XXXX trying to pass off as me wanting a loan from them. They ran a credit check on me which impacted my credit score. All this was unauthorized by me. This credit check was made XX/XX/2023. I have already made a report to the local sheriff 's office as well as trying to contact U.S bank and XXXX XXXX XXXX When called I only got the recorded line and have yet to receive a call back. I called XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: CO
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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together 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 non-monetary relief
Consumer complaint received 2015-07-19
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan with Greenlight Loans, a division of Nationstar Mortgage, and was funded with a new loan with NationStar on XXXX XXXX. The old loan account on Nationstar 's website was not flagged at all. Not flagged means the account can accept any kind of future payment or changes. On XXXX XXXX, I received an email from Nationstar that my Auto-pay for the old loan was being paid. I immediately emailed them that the old loan was fully paid and yet, on XXXX XXXX, the money was taken out of my bank account. I emailed them again and received a generic response, basically saying, sorry for the inconvenience, but we have your money for the next 30 days ... interest free. I finally called them and a customer representative told me in 18 days after the funding date ( XXXX XXXX ), that I 'll receive my refund check. That day has come and gone! 

The whole problem is that Nationstar is setup to capitalize on human errors. For example, if a consumer mistakenly writes a check with the old loan number or use an old loan stub ... that check is credit to the old account and wo n't get it back for 30 days. In the meantime, a consumer will not know their mistake until they received a delinquent notice on their new loan. Delinquent charges and possible payment processing fee kicks in after 9 days of the Due Date. All they need to do is to play dumb, drag their feet, and the longer it takes to resolve a mistake will result in collecting more fees or free use of customers ' money. 

NationStar 's website needs to have accurate information about the status of the old loan account. This old account should be flagged with notation that the loan is paid, closed and inactive, show any credit balance and a refund date ... none of this unpaid balance owing and your next payment is due on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am a natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that XXXX XXXX XXXX  has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. 

I am writing this letter in regards to the account XXXX XXXX XXXX  OPENED XX/XX/2019 BALANCE {$36000.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX. This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

I sent notice to XXXX, Equifax, and XXXX and nothing has been done about this and they are ignoring my letters and breaking consumer laws.The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. XXXX XXXX XXXX is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. 

The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that XXXX XXXX  XXXX have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. Please take this matter serious and I look forward to your respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called and disputed some charges on my checking account with XXXX XXXXXXXX XXXX and was told I would receive a email. I received email stating following Re : Claim # XXXX for account ending in XXXX XXXX XXXX, We're investigating your disputed transaction ( s ). In the meantime, we deposited a temporary credit into your account on XX/XX/XXXX, for {$1700.00}. This money is immediately available, but may be removed as a result of our investigation. 

We'll also reimburse you for any related interest, finance charges and/or fees within one business day. This reimbursement will be reflected in your account transaction history and on your monthly statement. 

If your account is closed during the investigation, we reserve the right to reopen it to remove the temporary credit depending on the result of our investigation. If your account balance becomes negative because of this action, you'll be responsible for the balance. 

We may contact you if we need additional info and we'll be in touch with the outcome of our investigation. 


on XX/XX/XXXX I received a credit for {$210.00} and 4 credit of XXXX XXXX credit of XXXX interest paid back to my account. I have called Capital One Bank 4 times and have been given different information. Someone told me it was error and remaining funds would be credit 24 to 48 hours still didn't received so I called back and was placed on hold when I asked for manager for over 1hr and I waited until I couldn't wait any longer. I called again and was told my complaint would be escalated and they see the issue still no credit. I want my remaining funds deposit to my account and for Capital One Bank to get a better system in place as most of the employees are international and have no clue what they are doing. Capital One being such a big financial institution need better training.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
1. Item remains in inquiries section : XX/XX/2023 XXXX XXXX XXXXXXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2023 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2022-11-07
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2015-07-18
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Since XX/XX/XXXX I had my FHA mortgage with XXXX XXXX XXXX. In the middle of XX/XX/XXXX, whilst I was in the middle of a VA mortgage refinance with XXXX XXXX, unbeknownst to me XXXX XXXX XXXX, transferred my loan to Nation Star effective XX/XX/XXXX. XXXX XXXX paid off Nation Star on XX/XX/XXXX, before my first mortgage payment with them was due. However Nation Star has not refunded the balance in my escrow account and said that on XX/XX/XXXX they sent this money to XXXX XXXX XXXX to pay a Corporate Advance for an appraisal & I needed to call them. XXXX XXXX XXXX has told me they did not require any money, they did not request any money and they have not received any money ; that my loan was paid in full. I have spoken to at least XXXX different Nation Star Customer Service Agents and XXXX people in their Escrow Department and no one can tell me where my money is and why it has not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Personal information incorrect

Complaint:
These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately 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 explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, * XXXX, XXXX AND EQUIFAX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi This account from XXXX was originally with XXXX collection company reporting fraudulent, and it was removed from my credit report. Now i'm looking at my credit report, and it's now under different debt buyer with different name, and different open dates... it's illegally reporting. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation