BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Hi my names XXXX XXXX and have a big problem with my lender that being Nation Star Mortgage who has yet to give a harp modification agreement that i know i qualify for cause they said but they have yet to in force an agreement that i signed and sent back to them in XXXX XXXX 2014 this is wrong and want them do what harp is there for to help me get back on track so i can pay my mortgage i do n't this run around that these companies are playing with people like myself the reason i say this is in the beginning i sent various documents to nation star only to be told that they never received them and i had to resend them only that they never received my current pay subs which was n't true so i sent them again and again and again then they informed me that they received them but i did n't make enough i asked them is possible with XXXX jobs and my XXXX one pays me over XXXX then after hour of debating they admitted there error saying that the person working my file never applied my main income there were using my XXXX income as my sole income which incorrect and that were sorry its noted on there computer the various people i spoke with and various mistakes they 've made one lady who i spoke said the name that was giving to me as a point of contact was n't real and that person would n't never call me back cause this a name they give to everyone cause of the amount of cases they have and she was sorry that i was mislead but i qualify for harp and she would do her best to fix again after going back and forth i get this agreement i sinned and sent back to them i want to speak with someone who is truthful so i fix this and move forward its a shame that our has help these various banks on bailout but they can not be forthright with us these people lace there pockets with tarp like XXXX XXXX president

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE BEEN DISPUTING A ACCOUNT WITH EXPERIAN SINCE XX/XX/2021. EXPERIAN REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX  AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXX  AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT EXPERIAN IS ABLE TO " VERIFY ''.

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 2023-08-14
Company: EQUIFAX, INC.
State: TN
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 submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a transfer to my external bank on XX/XX/11. I was told it would take 3 business days. To date, the transfer has not been processed. It has been 4 days...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This company has twice prevented me access to my account online. They are preventing me from transferring funds to an external interest bearing account. Their system can not verify me and I have to go to a brick and mortar facility to prove my existence. They also are using my social security number as casual identification. This should be illegal to throw around my personal data. I already verified my existence when I opened the account. I shouldn't be pestered with continual proof of my existence. Their customer service is absolutely awful. Many times I am unable to hear what they are saying, they have foreign people with thick accents that are not understandable, and flagrant insistence that they control my money and will not allow me access to my own money. This company needs to fined and pay penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Creditors Bureau Associates
State: GA
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:
According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: VA
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:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please send the attached request for information per RESPA to Nationstar. I am asking for a detailed breakdown of legal and recording fees to the account. I also asked for a re-calculation of the per diem interest, as I believe a mistake exist in the calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX number is : XXXX My addresss is : XXXX XXXX  XXXX  XXXX XXXX  XXXX My employer is : XXXX XXXX XXXX My Date of birth is : XX/XX/1991 Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I mailed off dispute letters to each of the credit bureaus and after 45 days XXXX  use the only on that reached out to me with updated info.

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 2021-06-22
Company: United Collection Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collection company stating that I owe XXXX XXXX XXXX but I never had a credit card with XXXX XXXX.The amount is $ XXXX.I have sent several letters, 609 letters to the credit bureaus and also to the company. I have received letters from different collection agencies about this bill.

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 2015-07-23
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage complaint is with Nationstar Mortgage. In XXXX of 2010 I filed bankruptcy but filed an affirmation signed to avoid bankruptcy on the property. During this time I was able to get a Modification Loan with Nationstar. Bankruptcy has been discharged, but every time I call for assistance I am directed to the Bankruptcy dept. before I can speak to anyone. 
As I was trying to refinance to the Harp Program, I am told that Nationstar has not reported me in 5 years as making any mortgage payments I in turn stated how is that. I have contacted XXXX, XXXX, XXXX XXXX in regards to this matter. I received a reply from the credit report to contact the Mortgage Co. I did and they told me because I did not file an affirmation and I did, therefore I sent a copy of the affirmation report. My next reply was that Nationstar Mortgage sent me a letter stated they will forward a letter to all XXXX Credit Bureaus to show that I have made payments have not missed a payment in the 5 years and this should bring my Credit Score up. Unfortunately, my Credit Scores have not gone up they are in a Poor Status and I have tried to do my part in this matter and nothing has changed and I need assistance. I know I had some hard times, but I am doing better and fair is fair. I would like for my payments made to be reported to the Credit Bureau. I am tired of being in the poor statues on my Credit Scores. I* would like for the Mortgage Company to please correct the reports that I have made payments and I have not missed on my mortgage.I am not sure now who is at fault the Mortgage Co. or the Credit Bureaus. I am XXXX years old and I do not want to leave this world knowing that my word of truth did n't matter. I want to see XXXX on my scores!!! Thank You for reading my Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: IN
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2015-07-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage bought my loan from Ocwen loan and it 's been nothing but trouble ever since. I have never made a late payment on my loan in 13 years. Suddenly this company takes over my loan and starts treating me like a deadbeat calling me morning noon and night to tell me they have not received my payment-TWICE the representative found the payment while on the phone with me and I still got ANOTHER call that same night telling me my payment is late. They also can not explain to me why my escrow payment is higher ... not a good sign. Then they call to sell me more products all the time-very disruptive. I 've never had a problem with my XXXX XXXX Bill Pay payments being received late yet these XXXX just ca n't seem to match up account numbers with money-they have no customer service standards whatsoever. So, they want to complain and harass me about my payment being late yet tell me that they want to sell me more products. I do n't get it. I wish they 'd never bought my loan. There are a lot of complaints out there about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, XXXX amounts were taken from my cash app account XXXX and XXXX for a total of XXXX. I have written to Square Inc 5 times and each time they send the same response denying that the funds were taken from my account and referring me back to the company that is listed as taking the money. Each time I have explained that the XXXX company does not have the funds and that they never had access to my cash app card or account. They continue to send the same message. Someone has apparently hacked my account and have requested money over 50 times and Square Inc keeps sending me to XXXX saying it is them and I have been in contact with them and they did not request money from that card or account and have never received in funds on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: NY
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payment on XXXX, 2019 to my report which is incorrect and I am asking this late payment be deleted immediately or I will file for litigation due to the stress you caused me.

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 2019-11-20
Company: EQUIFAX, 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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. First XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 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 2015-07-22
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Motgage will not give me a copy of the Lender Placed Insurance they placed on my property for the last 3 years.

Company response to consumer: Closed with explanation